Search found 1445 matches

by gunn_show
Sat Sep 15, 2018 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 92
Views: 8209

Re: Side Hustle Options/Suggestions.

what city do you live in? do they have Bird (or Lime) scooters? I recently signed up to be a "charger" and joined a massive FB group for Bird Chargers...there are dozens and dozens of posts daily with incredible data... this is done after 9pm and they have to be dropped back out (after charging to 1...
by gunn_show
Fri Aug 17, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest Home Insurance ?
Replies: 34
Views: 2947

Re: Cheapest Home Insurance ?

You may want to reconsider your approach to insurance and instead focus on value. When I pay premiums, I'm doing so based on the expectation that the company will be solvent (able to pay for the damages I cause), provide outstanding claims service, and answer any premium / coverage related question...
by gunn_show
Tue Aug 14, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 151
Views: 14619

Re: As an American, where are some great places in the world to retire?

San Diego. Or what livesoft said. Jokes aside.. you say nothing about where he lives now... does he want to move... what can they afford... what does your dad and mom like, to eat, do, climate, types of neighborhoods... you asked a completely open ended question with no guided background.. I have no...
by gunn_show
Tue Aug 14, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Almost 30 - Check In
Replies: 33
Views: 3824

Re: Almost 30 - Check In

A $15,000 ring is insane given your current financial situation. Insane. Do not buy a $15,000 ring. I know you love your girlfriend. Like, a lot. I get it. But $15,000 is far too much to spend. It constitutes 30% of your yearly take home pay. That's too much. You say you want to buy a house soon, b...
by gunn_show
Mon Aug 13, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10187

Re: Few weeks into new job recieved significantly better offer elsewhere

You now have all the information to make a decision, which is to go with your gut and stay put. Mark your calendar for today + 1 year and revisit your situation. Act on your decision now, as further thinking is no longer productive and will become a source of unnecessary stress. I tried this. Thoug...
by gunn_show
Mon Aug 13, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Mid 30s Crisis: Personal budget, savings and goals
Replies: 36
Views: 7264

Re: Mid 30s Crisis: Personal budget, savings and goals

Here is where I am at and am looking for suggestions, I don’t feel like we are on a great track but DW is comfortable with our situation and wants us to reasonably enjoy life. It’s probably good I have her or I’d be a hermit. Anything glaring jumping out? Should I feel more comfortable than I do? I...
by gunn_show
Mon Aug 13, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 74
Views: 7514

Re: Housing affordability - what is your take?

Are only very high income dual income people buying real estate in the large metros? Yes. How are single income individuals affording homes with traditional affordability metrics? Or are they using different metrics? They get married or shack up or rent out part of the house or get help from others...
by gunn_show
Sat Aug 11, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Advisor Mandatory?
Replies: 36
Views: 3304

Re: Financial Advidor Mandatory?

I am 40, wife is 35. $535K Net Worth. $125K Gross Income. Zero Debt. Saving near 18% in a mix of 401K's and Roth IRA's. no children currently. Do we need a financial advisor? (Two absolutely terrible experiences with financial advisors in the past who tried to sell us insurance we don't need) No. S...
by gunn_show
Fri Aug 10, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property with Sibling Questions
Replies: 22
Views: 1642

Re: Rental Property with Sibling Questions

I'd buy it to capture the differential between the flippers discount and the market value, less selling and carrying costs. I wouldn't buy it with the intention of renting it since that would not follow from the reason you want to buy it in the first place: your parents want to sell the home under ...
by gunn_show
Fri Aug 10, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Should I accept a large cash gift from my mother?
Replies: 44
Views: 5795

Re: Should I accept a large cash gift from my mother?

If the choices are you invest it or she invest it, there are more advantages to her investing it. I have some experience with this, as my mom's mother passed away in the last couple years, and I helped mom go through the estate and accounts and divvy out the extensive inheritances to several entiti...
by gunn_show
Fri Aug 10, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Rental Property with Sibling Questions
Replies: 22
Views: 1642

Re: Rental Property with Sibling Questions

I would suggest that you do not do it. Sell the home and split the proceeds. You will be far better off and have a better relationship with your sister. This. Sell, split proceeds, then go buy other property separately. Or, one sister buys this property and manages it. Would not do it together. Bot...
by gunn_show
Fri Aug 10, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2417

Re: Moving soon; whom to hire to help me move?

Professional moving company every time. Just not worth the risk in my opinion. Top 10 pet peeve in life is friends who make decent incomes asking their friends to help them move. That was fine at 20 but not at 50. Embarrassing. I realize you aren't asking for that. I am just going off topic. :) thi...
by gunn_show
Thu Aug 09, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: SPG rewards....sucks?
Replies: 24
Views: 2812

Re: SPG rewards....sucks?

argghhhhh....i really cannot stand it any more! I just found a hotel I like with good value. For example, Sheraton Brooklyn, market rate is $370 and it cost only 10K points (awesome!) but when I click on it....it shows all the options to pay EXCEPT there is no option to pay with points. as with any...
by gunn_show
Wed Aug 08, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10187

Re: Few weeks into new job recieved significantly better offer elsewhere

I asked about that. The recruiting agency tells me that it shouldn't be an issue but it's their job to sell me like any other salesman. So yes there is some concern there. But it's my impression given the role and work that the work will be there after 6 months. The bigger risk is will my job perfo...
by gunn_show
Fri Aug 03, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3726

Re: New job commute

1 1/2 hours for 34 miles each way sounds truly miserable. + I would do anything, (anything) to not have a 3 hour commute. Life is too short. Including making less money. Money is not the end all. + OP, do the math; calculate how much that extra commute (at your hourly pay rate) is actually making y...
by gunn_show
Mon Jul 30, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Flooring: Hard wood vs Ceramic Tile that looks like wood
Replies: 26
Views: 2658

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

We put in 6x36 wood look porcelain planks 2 years ago. We love it in every way. We have a slab foundation, a dog, and live in a warm climate. It took us a long time to find one we liked that had the right size, texture, and color variation but once we did we knew it was exactly what we wanted. You ...
by gunn_show
Sun Jul 29, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the sales/business development reps
Replies: 4
Views: 476

Re: Question for the sales/business development reps

I do outside sales for wholesale wine/spirits distribution company for 11 years now. Pay is okay but not great, but I enjoy the work. They way they structure the pay- there is no other choice than to stay motivated. I'm motivated by my need to beef up retirement at the moment. 15+ years in sales ca...
by gunn_show
Sun Jul 29, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus at Job - Weird Situation
Replies: 34
Views: 6094

Re: Bonus at Job - Weird Situation

OP - For whatever this is worth, I've taken the view that my professional loyalties rest in the following order of priority: 1. Myself and my own career 2. My profession 3. My employer This doesn't mean that I don't do quality professional work for my employer or that I would cut ethical corners to...
by gunn_show
Fri Jul 27, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 20
Views: 1725

Re: Career advice

That said, my desire to get an MBA is to increase my earning potential. Director level and above in my current organization is where the good money is earned ($150-$175k plus 20%-30% bonus and RSUs) and I believe an MBA would allow me to fast track that process. But maybe I just need an opportunity...
by gunn_show
Fri Jul 27, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 20
Views: 1725

Re: Career advice

I would stay in sales, but potentially change companies. I have come to learn that everyone is in sales, so it’s best to embrace it and ensure you’re compensated for it. Find a product/industry that you’re passionate about and the skies the limit. If it’s a numbers game currently and you’re cold ca...
by gunn_show
Fri Jul 27, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Decision for Stay at Home Wife?
Replies: 84
Views: 3598

Re: Decision for Stay at Home Wife?

Wife is SAHM and not returning to work anytime soon. Her barely-above average pay combined with crappy work environment deemed it I am a little jealous, my wife is staying home but will be finishing up her Master in Teaching and will be going back to work next year. If she told me tomorrow she want...
by gunn_show
Fri Jul 27, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Decision for Stay at Home Wife?
Replies: 84
Views: 3598

Re: Decision for Stay at Home Wife?

Does she want to be a stay at home mom? If so, I'd say she should go for it. And it sounds like you may have too high of expectations for the baby years as for what she can accomplish in addition to child care. Is she not driven and self motivated? If she is, she will do as much as she can handle; ...
by gunn_show
Wed Jul 25, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Giving money to adult kids
Replies: 23
Views: 3893

Re: Giving money to adult kids

I'm not well versed in this, but it seems like this is exactly the sort of situation a trust is designed to handle. You can set it up so that an outside person (lawyer, trusted friend or family member, etc.) administers the money on behalf of the kids, and only disburses funds to cover things appro...
by gunn_show
Tue Jul 24, 2018 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Job Change
Replies: 6
Views: 733

Re: Possible Job Change

The comp made it clear you are not in IT / pharma sales, without a doubt, no need to confirm it. Also figured not HCOL. But that doesn't really matter with remote AE positions anyway. The question as posed... doesn't make a lot of sense. High level view - ... current job pays $96000 (78 + 18 bonus)....
by gunn_show
Tue Jul 24, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Job Change
Replies: 6
Views: 733

Re: Possible Job Change

If I’m reading this right your currrent sales role does not pay commission?? The whole point of working in sales is the potential upside of eating what you kill. That’s what makes the added stress of the job worth it. If you don’t get commission I’m sure there are plenty of 9-5 desk jobs available ...
by gunn_show
Tue Jul 24, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 7118

Re: Daughter wants to travel on her own to Montreal

Pretty much everything is in French so she better have a plan for that. What would one do for 4-5 days in Montreal? Can think of plenty of better places, but to each his own False. Have you actually ever been there? Everyone and everything is in English. Come on man. Steak at Moishes? English. Sand...
by gunn_show
Tue Jul 24, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Are laminate floors better-wearing than real hardwood?
Replies: 36
Views: 2844

Re: Are laminate floors better-wearing than real hardwood?

You really can't compare laminate to hardwoods. Laminate is easily scratched/damaged and cannot be repaired or refinished. It also looks cheap and you can easily tell its laminate when you walk on it. If you can't afford regular hardwood flooring there is a third alternative...engineered hardwood. ...
by gunn_show
Mon Jul 23, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 8103

Re: Is it possible to change one's career in their 40s?

I have been in IT for almost 20 years. My career has stagnated and I've been reading a lot of stuff about ageism in the IT industry. Some people on this very forum have posted that as well. Seems that after a certain point, the more experience one has is a liability. Or maybe just stay in IT and gr...
by gunn_show
Mon Jul 23, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Good Job but "Plan B"???
Replies: 4
Views: 499

Re: Good Job but "Plan B"???

So, am I making something out of nothing or is it wise to always be thinking of what else is out there? Something else at play here? Bored? Underpaid? (you said make a decent paycheck, not awesome or rad or overpaid or top end of compensation). On surface you said a lot of positive things. Under su...
by gunn_show
Thu Jul 19, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 56159

Re: Flaunt Your High-Mileage Car

Good morning Bogleheads: I drive a 2003 Lexus GX 470, 345,000 miles. Love the car OldTimer, This is a vehicle I am looking at to buy used. How were the repair costs over the years? Did you notice a spike in repair and maintenance costs when your vehicle got over 150k miles? Thanks. Francis This is ...
by gunn_show
Mon Jul 16, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Job Change?
Replies: 7
Views: 853

Re: Job Change?

Considering you could easily live off the wife's income alone and still save some, you have the freedom to do whatever floats your boat. You could even both retire now and be in pretty safe position, so why continue doing something you hate? If the new job appeals to you, try it, but you don't real...
by gunn_show
Wed Jul 11, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: looking for a new (online) savings account home
Replies: 23
Views: 2098

Re: looking for a new (online) savings account home

Larry2623 wrote:
Tue Jul 10, 2018 8:37 pm
I use GS Marcus...happy with rate and service
set my mom up with GS Marcus recently for savings + CD's, very easy to use, easy simple clean interface, very solid rates, would highly recommend
by gunn_show
Wed Jul 11, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for MBA or Putting Money into ROTH/401k
Replies: 7
Views: 609

Re: Saving for MBA or Putting Money into ROTH/401k

I would put it in the Roth. I'm sure you have thought this through, but just make sure you are getting an MBA for more than just the 3 letters after your name. this and this, although you didn't ask our opinion on the second piece with nearly zero net worth and retirement savings, you need to get t...
by gunn_show
Tue Jul 10, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 3490

Re: Masterbath Remodel - Tub or No Tub ?

Please provide opinions on the following 1) Would you remodel and get rid of tub in YOUR current master bath - why ? why not? 2) If you were looking at buying a home -- thoughts on NOT having a tub in the master ? Would that be a big reason for you to not buy the house? 3) if you are a real estate ...
by gunn_show
Tue Jul 10, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Dad asked for my help on pension decision that I do not understand
Replies: 43
Views: 3539

Re: Dad asked for my help on pension decision that I do not understand

There are lots of issues that he should take into consideration. One thing to consider is how much in savings your father has. Another consideration is his other income when he retires. Finally, how do the above sources of income compare to his expected expenses in retirement? +1 lot of great quest...
by gunn_show
Mon Jul 09, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with recruiters
Replies: 20
Views: 2104

Re: Dealing with recruiters

I get contacted by recruiters regularly. I'm thinking about implementing a policy of not giving them a resume until they at least tell me the salary range. Of course this chases some of them off. Does this sound reasonable? "I understand that you can't tell me the exact company or job, but to avoid...
by gunn_show
Wed Jul 04, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1756

Re: Evaluating New Job Offer

3 hours per day in travel. That would make it a no brainer for me. I enjoy working upstairs at home. Ed +100% no-brainer decline for me to go from WFH to 3 hours per day travel. Big NOPE. I am not even sure I drive 3 hours a MONTH currently as a WFH tech guy. For real. I was amazed when I filled up...
by gunn_show
Wed Jul 04, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Affording a $1.8-2M house
Replies: 54
Views: 9484

Re: Affording a $1.8-2M house

As said above, why not renting in the city? Would also go for this, and be ready to pounce with your cash position when an ideal home opens up, be the first in the door. Move closer to the city now, get that commute down, and rent for a while, saving more money. Be nimble. End of day, if a family w...
by gunn_show
Tue Jun 26, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11842

Re: $1 million house--- sanity check

The crux is somewhere between this answer Get it. (as long as you are prudent, it will work out in the long run anyway). If it makes you and DW happy and brings quality of life and ambition to strive. Great. j :D and this answer What if 5 years from now y'all have no kids (they're not guaranteed jus...
by gunn_show
Tue Jun 26, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 4425

Re: MBA Options

Money, job opportunities, finding a more fulfilling career. This answer is pretty standard, and I cannot say 7 years ago I didn't have the same answer, so I am not going to personally skewer you over it. I would just suggest you start thinking of it, and framing it, differently. (at least publicly)...
by gunn_show
Tue Jun 26, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 4425

Re: MBA Options

Cost is obviously a factor - are you going to cash flow pay for this annually, take from savings, or go into debt? Not sure I saw you answer this. GMU having no ranking.... is obviously worse than having any ranking, especially UMD with top 100 (purportedly). So unless you are truly strapped for cas...
by gunn_show
Mon Jun 25, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2772

Re: Buying new home while selling current one Qs

Today is the big day- off to see the house, and then afterwards we come back to the condo with our real estate agent to show her the condo and get a price for it.Probably talk to banks and lenders too- haven't even got pre-approval letter yet. I am super excited, but am going to try and play it COO...
by gunn_show
Sat Jun 23, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2772

Re: Buying new home while selling current one Qs

A contingency offer, its a buyers market here in Orlando FL. This option is your "Safest" option in terms of protecting yourself, given your finances (small nut available and modest income). We are going through this right now as well, in CA (sellers market, although softening some in higher price ...
by gunn_show
Fri Jun 22, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Find a new job or not (golden handcuffs, etc etc)
Replies: 11
Views: 1877

Re: Find a new job or not (golden handcuffs, etc etc)

These are fair thoughts, I mostly agree. Flip side is that OP is only 30, wife who will be earning a solid income, no kids, saving 50% and has accumulated $250k in short order. Presumably very small cost of living given the info provided. So if you are ever going to take risks and "go do it" now is ...
by gunn_show
Thu Jun 21, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 34725

Re: What is/ was your career and would you recommend it now?

IT Sales and I highly recommend it. Whether you go the route of being a a salesperson or a sales engineer role that helps explain the technology and determines the appropriate solution fit both are great options and can be highly lucrative. I only now realize how fortunate I was to have entered IT ...
by gunn_show
Wed Jun 20, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on job change consideration
Replies: 15
Views: 1566

Re: Advice on job change consideration

A/ I am leaning towards taking the new job given the compensation increase and similar flexibility (working from home) and better work life balance. B/ The main concern i have is the lack of promotion schedule, which leaves me at risk to being stuck in my role compared to if i would have stayed in ...
by gunn_show
Mon Jun 18, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice (take the promotion or not)
Replies: 29
Views: 3994

Re: Career advice (take the promotion or not)

I feel like you're all over the place. If you want to make more money, find a new job with a new company. Yes, there are some negatives you will have to accept. greg24 is spot on with what I was trying to point out in my response above. Between the original post and his subsequent responses, it is ...
by gunn_show
Mon Jun 18, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice (take the promotion or not)
Replies: 29
Views: 3994

Re: Career advice (take the promotion or not)

Just wanted to jump in - I work as well in the semiconductor industry, and you are quite underpaid, assuming you have 8-10 years experience. You should talk the lead role, update your resume, and look for another job. This. Me too. Top semiconductor megacorp, but not an engineer. But you are way un...
by gunn_show
Wed Jun 13, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Normal equity offer in startup for early employee
Replies: 12
Views: 1054

Re: Normal equity offer in startup for early employee

Very difficult to answer as it is situational. .... I took somewhere in that ~1% range for a lottery-ticket start-up (would be life-changing exit, but not super likely) but I also was able to nab a far above market salary so it was an easy choice. MotoTrojan hits it on the head across the board. #1...
by gunn_show
Tue Jun 12, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Tv mount with no studs
Replies: 20
Views: 2046

Re: Tv mount with no studs

OP here. So I've decided to abandon ship on the DIY. I found a installer wit good reviews who will do it for 100$. I feel more comfortable going this route with two very small kids running around the house. Can anyone recommend a swivel mount? I see a bunch of them on Amazon with good reviews for r...