Search found 1547 matches

by gunn_show
Wed Dec 16, 2020 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice with potentially major earnings?
Replies: 44
Views: 3451

Re: Career advice with potentially major earnings?

I am always bewildered that nobody ever told me about sales jobs when I was younger or in college. I would have cringed at the idea of working in sales even as I graduated from college. All companies need to make money, and most of them have sales roles. It becomes a mutually beneficial arrangement...
by gunn_show
Tue Dec 15, 2020 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation - California, Santa Cruz, Watsonville, Salinas, Monterey area
Replies: 168
Views: 9019

Re: Relocation - California, Santa Cruz, Watsonville, Salinas, Monterey area

Recently visited a co-worker who relocated to Santa Cruz (from Santa Clara) during the pandemic (early Nov). Few observations, as I had never been there before. (I grew up in a similar beach community in SoCal). This is feedback based on ~7hrs of being in town, so a measly 2 cents. Beautiful. The pi...
by gunn_show
Wed Dec 09, 2020 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a $1m condo in San Francisco in December 2020
Replies: 88
Views: 8161

Re: Talk me out of buying a $1m condo in San Francisco in December 2020

I get a monthly mortgage of about $3,500 ($800K mortgage, 30 year fixed @ 3.2% ... my local credit union offers 3.2% for 30 year fixed on Jumbo loans). $3,500/month on an income of $180K/year is proportionally less than what I signed up for 23 years ago with my wife :-) $1M with 20% down is $200k D...
by gunn_show
Fri Dec 04, 2020 5:16 pm
Forum: Personal Consumer Issues
Topic: Buying a 1.3M house - worried about unexpected expenses
Replies: 93
Views: 6625

Re: Buying a 1.3M house - worried about unexpected expenses

I should say that I’ve earnest money of 75k on line, with closing expected next Monday. This is a no-contingency offer. My agent is telling me that the seller agent will not let us do an inspection. At this point I’m worried if there are potential major issues possible and the likelihood of such is...
by gunn_show
Sun Nov 29, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: 30/F – Would it be worth purchasing a home?
Replies: 23
Views: 2599

Re: 30/F – Would it be worth purchasing a home?

I do have a couple friends pressuring me to buy a home now. They say even a $1MM purchase doesn't matter in this economy, that I should just put 5-10% down, and that I can always sell when the property appreciates. I feel like that's too risky. Good friends tend to make awful financial advisors. :o...
by gunn_show
Sun Nov 29, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 105
Views: 7575

Re: New Truck Purchase

Toyota Tundra Toyota Tacoma Lot of great responses so far, didn't read past this one as it hits the nail on the head for my response. Like many others' stated, really depends on the finer details of what you want/need in a truck. My brother has a Tacoma, tricked it out, does a lot of long multi-wee...
by gunn_show
Sun Nov 29, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Non-Alcoholic Beer/Wine/Mock Cocktails
Replies: 37
Views: 2499

Re: Non-Alcoholic Beer/Wine/Mock Cocktails

A friend created Monday alcohol free Gin.. it's pretty tasty and he has a kit you can buy with mixers.

https://drinkmonday.co/
by gunn_show
Mon Jul 06, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 6109

Re: Boglehead Way to buy an Audi

I did this exact comparison in the early part of this year, stemming back to late 2019. Was -this- close to pulling trigger on a Q7 but went with a 2016 RX F-sport. After doing my diligence, and despite Consumer Reports trying to convince me in their rankings that Audi was better than history shows...
by gunn_show
Mon Jul 06, 2020 11:02 am
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 6109

Re: Boglehead Way to buy an Audi

Are you asking the best way to purchase a Q5 now that you've decided that's what you want? Or, are you asking if you should consider other vehicles/rethink your decision? I'm open to other brands. I just looked at Lexus, Acura, and Audi. I really wanted the 2020 Acura RDX to work, but it had unacce...
by gunn_show
Fri Feb 21, 2020 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: San Francisco with a Family
Replies: 90
Views: 5779

Re: San Francisco with a Family

OP for us to give you decent advice please share your expected compensation and house price range in the Bay Area. ^^^ I agree. Also, your "must-haves" for the house and location. The prices and what you get for a price varied a lot in Bay Area. You can still take BART and go to Dublin/Pl...
by gunn_show
Sun Jan 26, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 18038

Re: Some possible luxury SUV choices to buy: Opinions?

While some folks on here have posted they hate the grill on the Lexus, I have to point out that my experience living in the Palm Springs area indicates that there are a lot of folks that own Lexus and therefore there are probably a lot of folks that don't mind the grill and have bought/leased the L...
by gunn_show
Wed Jan 22, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 18038

Re: Some possible luxury SUV choices to buy: Opinions?

I am also in similar situation to several of you, looking to replace wife's 10+ year old Lexus with a mid-large SUV (prefer luxury brand, couple years used, to avoid most of the depreciation hit). I am curious in particular about this two statements. By most accounts, my heavy research on consumer ...
by gunn_show
Tue Jan 21, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: [Used] car philosophy
Replies: 23
Views: 1694

Re: User car philosophy

Looking to add another car to the family, used, mostly for travel around town. My approach in the past has been to get one with 15K-25K miles and drive it forever. I've been to the Honda dealer looking at some of their "certified" used cars, which I've had pretty good luck with. My questi...
by gunn_show
Tue Jan 21, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 18038

Re: Some possible luxury SUV choices to buy: Opinions?

OP, I am in very similar situation. Audi was eliminated because too much noise about poor reliability. If up to me I would pick the XC60 over the Lexus solely on both of us much preferring the look of the Volvo over the Lexus. I am also in similar situation to several of you, looking to replace wif...
by gunn_show
Mon Jan 20, 2020 8:06 pm
Forum: Personal Consumer Issues
Topic: My Hotmail account is getting spammed big time
Replies: 48
Views: 5812

Re: My Hotmail account is getting spammed big time

This is my primary account, had it for 20 years. It's set to exclusive. Haven't seen this happen before. Anyone else getting hit like this? Any fixes? no longer my primary account (gmail), but I still have 20+ years of history tied to my hotmail, so I check it many times daily. glad I am not the on...
by gunn_show
Mon Jan 20, 2020 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Some observations when trying to buy [a new Prius Prime or Honda Clarity]
Replies: 37
Views: 5256

Re: Some observation when trying to buy a new car

I have not purchased a vehicle in eleven years and think now that maybe a lot has changed. I left my phone number and ID with the dealer asking them to let me know if or when a 2020 Prius Prime was ready for a test drive. They texted me today, calling me by the wrong name and thanking me for test d...
by gunn_show
Wed Jan 15, 2020 1:45 am
Forum: Personal Finance (Not Investing)
Topic: Daycare Provider Wants to Charge $20/week for Receipt
Replies: 145
Views: 10022

Re: Daycare Provider Wants to Charge $20/week for Receipt

She's not reporting the income. Plain & simple. Her choice, your decision. This. Assume our daycare provider is doing the same. Only send 1 day a week and in the beginning I asked the wife why we did not get invoices or receipts, never got a good answer. Just that I need to Venmo her every othe...
by gunn_show
Mon Jan 13, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: What is owed to realtor?
Replies: 17
Views: 2599

Re: What is owed to realtor?

I haven't signed an exclusivity contract with the guy or anything, or even agreed to anything verbally. He just showed me those four houses, gave his thoughts and opinions and then he followed up the next day. He hasn't given me any general guidance, or actually done any work searching or finding o...
by gunn_show
Mon Jan 13, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: Anyone drive a 2019-2020 Infiniti QX-50?
Replies: 2
Views: 401

Re: Anyone drive a 2019-2020 Infiniti QX-50?

Looks like a nice compact SUV with competitors such as the Acura RDX, Audi Q5, and BMW X3. I'd like to know what you think of it? Alex on Autos review suggests that the CVT is a little funky with it's simulated gear shifts and that the drive by wire electronic steering feels somewhat disconnected a...
by gunn_show
Fri Jan 10, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: vacation home
Replies: 21
Views: 3978

Re: vacation home

Try to answer some of your questions parents bought the house 1974ish (40k) one family member lives there full time 15 people use it at different times, mostly summer figure 5k per year and going up was summer home originally we are one of the smallest and least expensive houses on the lake, worth ...
by gunn_show
Fri Jan 10, 2020 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: House Hunting with Family Pressure
Replies: 42
Views: 3122

Re: House Hunting with Family Pressure

I would agree it certainly does not sound like you're "abandoning" anyone. Everyone has their own priorities for location and amenities when looking to buy a home, and you have good and justifiable reasons for those priorities. They're yours and nobody else's opinion should really factor ...
by gunn_show
Thu Nov 14, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 74
Views: 9875

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

The easy answer to this is to say "I'm sorry but I've decided that I'm leaving to return to my old job. If you would like me to stay for two weeks, I certainly can do so but since I haven't been here long, I can understand if you prefer that I leave today." This is the right thing to do, ...
by gunn_show
Mon Nov 11, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?
Replies: 74
Views: 9875

Re: After 2 weeks on new job, I am wanting to return to my old job, this is a terrible idea right?

Yes, as mentioned I am 37, we are in a good place financially: No debt, house paid off, $1m net worth, MCOL suburb. If I was out of work for a year, or two, or three...we would be fine, though that's not ideal of course. I guess I'm still just adapting to the culture shock of this place, the person...
by gunn_show
Mon Nov 11, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Homebuying in Los Angeles - Advice Needed
Replies: 77
Views: 8488

Re: Homebuying in Los Angeles - Advice Needed

Sure, you can afford the house and you will get all your money back when you sell. We bought in SoCal 40+ years ago and our house value is more than every dollar we ever put into it (mortgage, interest, adding on/remodeling, taxes, insurance, maintenance). That's not to say the future will give you...
by gunn_show
Tue Nov 05, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Working from home vs in the office
Replies: 22
Views: 2037

Re: Working from home vs in the office

I work for a tech startup in NYC and I'm considering working from home as it's an option for me. My boss is completely fine with it and encourages me to work from home if I'm more productive. I've worked from home before and I'm equally productive as I am in the office, probably more since people c...
by gunn_show
Tue Nov 05, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: The Shade Store -anyone use them or have recommendations
Replies: 12
Views: 1467

Re: The Shade Store -anyone use them or have recommendations

I recently bought 2 similar motorized shades for windows that are in high ceiling (20") rooms. The light comes in the afternoon and blinds you, so needed motorized with the little remote. Pretty handy. We went with 3 day blinds, have used them on outfitting our last two houses with new horizont...
by gunn_show
Tue Nov 05, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Car folks! Bottom of depreciation curve right now?
Replies: 20
Views: 3895

Re: Car folks! Bottom of depreciation curve right now?

1) 2006-2009 Aston Martin Vantage (6 speed manual) 2) NB and NC Miatas 3) C6 Corvettes 4) Honda S2000 5) Early 997 Porsche 911 6) 100 series Land Cruisers You can only know the true bottom retrospectively. Funny, two vehicles I have been involved with recently are in this thread of only 5 comments....
by gunn_show
Tue Nov 05, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord - NFL Network?
Replies: 65
Views: 7123

Re: Cutting the Cord - NFL Network?

So looks like PlayStation Vue is a contender. What do people recommend between Roku, Amazon Firestick, etc? Want it to be as easy as possible, we have two Sony smart TVs I used PS Vue for the last couple years on multiple TV's in my home on the Roku stick. Very easy. The remote is not the most feat...
by gunn_show
Wed Oct 02, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carry on Luggage
Replies: 64
Views: 5073

Re: Recommendation for Carry on Luggage

I have lately grown quite fond of Away ]https://www.awaytravel.com/ . They're the luggage you've seen in airports that has a built-in battery. The battery is easily removable at the gate even, if you need, and the company is decent. I had an older version of the Away larger carry-on and I had to un...
by gunn_show
Fri Sep 20, 2019 12:34 am
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 98
Views: 11328

Re: Acura RDX vs Audi Q5

As an update, I will be going for a test drive this weekend for Audi Q5. I will post my experience. For the question on Lexus, never liked Lexus for some reason. Many thanks to everyone who posted their experiences and suggestions. ___ saagar_is_cool ___ did you make a purchase yet? I've had this t...
by gunn_show
Tue Aug 06, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 13264

Re: Insane to buy a sports car?

When you get old / married / kid(s) and drive a truck or wagon or van or corolla, you will be harking back to the 32 and single days. Buy a sports car, zero issues there. I leased a new S2000 in my mid-late 20s, I got to six figures early in my sales career with a LCOL, not near 250k per se, but eno...
by gunn_show
Thu Jul 18, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 289
Views: 26698

Re: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?

I do not buy the HCOL vs LCOL - to be it is generic enough to be meaningless and straight up BS. Specifics matter. your role matter. be good in what you do, be better, and pick where you want to live (HCOL /LCOL, etc). everything else will come along Agree, specifics matter, role matters. For what ...
by gunn_show
Thu Jul 18, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 0.5%]
Replies: 230
Views: 30868

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

Very similar to what Ally did last fall. 1% bonus on new funds in an account up to $50k per person ($500 bonus). https://www.marcus.com/us/en/savings/cashbonus super nice find, thank you for posting. easy 500 bucks have had some recent commission windfall sitting on the sidelines waiting for variou...
by gunn_show
Thu Jul 18, 2019 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of buying a Bay Area home with 4-year time horizon?
Replies: 26
Views: 2712

Re: Risks of buying a Bay Area home with 4-year time horizon?

Generally, With closing costs both buying and selling, 4 years is too short of time to buy a property. I would rent not buy in that situation. Lot of great responses, this is the net-net thesis I would offer as well. Largely on ease of use. As someone who has bought/sold 3 homes in CA the last ~6 y...
by gunn_show
Fri Jul 12, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: 3 kids and 2 working parents - childcare costs
Replies: 17
Views: 2004

Re: 3 kids and 2 working parents - childcare costs

Bb073084 wrote: Fri Jul 12, 2019 1:06 pm Does anyone have actual costs for nannies in the twin cities area?
this is hyper-local and can easily be accomplished by posting on nextdoor.com ...
by gunn_show
Thu Jul 11, 2019 11:25 pm
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 17100

Re: No more print Money magazine

I still subscribe ($2 per yr) though I don’t find it highly useful for new finance knowledge. I really enjoyed the family finance profiles where they listed income, debts,and an action plan. But it seems they phased out that feature awhile back. Call me old-fashioned but I’ll be sad when print maga...
by gunn_show
Wed Jul 10, 2019 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 273
Views: 30309

Re: Can I afford this 2.3 million dollar home?

fru-gal wrote: Wed Jul 10, 2019 5:59 pm This is an old thread..
Thread was started nearly the last day in May 2019. It is early July 2019. Presumably OP has still not taken any action, curious where his mind sits currently ...
by gunn_show
Wed Jul 10, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 273
Views: 30309

Re: Can I afford this 2.3 million dollar home?

Just read all 6 pages of this, surprised it went that long and at the varied responses. Lot of good pros/cons. The true bogleheads-Corolla fans came out hardcore. Not surprising, that's what this forum is. OP have you made any further decisions on this? After reading, I imagine you will move forward...
by gunn_show
Fri May 24, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: How much to tip food delivery driver
Replies: 39
Views: 4036

Re: How much to tip food delivery driver

On a delivery I tip 10% with a $3 floor. we admittedly use Uber Eats/Grubhub quite a bit, this is basically my process as well - 10-15% with typically a $3-4 floor that covers most orders. I even keep a wad of dollar bills in an envelope for this usage, since it makes them pretty happy to get hande...
by gunn_show
Fri May 24, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 217
Views: 18241

Re: Which Compact SUV Should I Buy?

Sometimes it's better to be decisive, make the wrong decision and learn from it, instead of agonizing with analysis paralysis. Well said, and agree. Congrats Meg, I just read this thread top to bottom, great stuff. Starting to think of a new vehicle for the wife and kid, most likely a small-midsize...
by gunn_show
Mon Apr 15, 2019 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Job choice: higher pay or more interesting work?
Replies: 14
Views: 1893

Re: Job choice: higher pay or more interesting work?

Life is too short not to take advantage of opportunities to be happy when they make financial sense. If you can still meet your goals I would take the leap. +1 Past a certain level, more money does not result in proportionate increases in happiness. +1 given the parameters stated, I would do it, an...
by gunn_show
Tue Mar 19, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 8578

Re: How many companies have you worked for?

#6, age 33 Over 11 years have increased total comp from $75k to $250k. Job hopping pays off! Counterpoint: #1, age 29. Over 7 years have increased total comp from $65k to $310k. Staying put pays off! :sharebeer Late 30's, post-college I am on employer #10, contemplating offer from #11. Employers 6-...
by gunn_show
Thu Feb 28, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move to a high cost of living area?
Replies: 48
Views: 2650

Re: Should I move to a high cost of living area?

I really like living here (much more than So Cal, where I'm from) don't want to derail the thread, but curious why you like bay area more than Socal? I guess partly the answer depends on where you came from in SoCal and where you now live in SFBA. If you went from Downey to Atherton, I get it. If y...
by gunn_show
Thu Feb 28, 2019 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Client From Hell Is Driving Me Insane!
Replies: 60
Views: 8488

Re: Client From Hell Is Driving Me Insane!

So you try to fire client and instead your firm signs a new multi-year deal? I wouldn't rate your company's management very high. Money isn't everything. this, and... But about a year ago our firm’s founder came and asked me if I would take on a “troubled” account as a personal favor to him. time f...
by gunn_show
Mon Feb 11, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 63
Views: 6679

Re: Free Southwest Companion Pass for 2019

Meet the spending requirement then 'merge' the points from the two cards by using the Chase website. congrats, well done. you will not have to do or merge anything, the points will go directly to your Southwest rapid rewards account, they are not chase points once both buckets of points hit the SW ...
by gunn_show
Tue Feb 05, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 63
Views: 6679

Re: Free Southwest Companion Pass for 2019

Southwest often has sale fares like now $39 one way from SoCal to NoCal. At that rate, I’m not sure it’s worth my time to get into any loyalty program. we happen to be in the midst of a 2 day Southwest fare sale, so your timing is impeccable and not realistic of average ticket buyer. wait till 3-4 ...
by gunn_show
Tue Feb 05, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 63
Views: 6679

Re: Free Southwest Companion Pass for 2019

Ok I applied for the SW business card. The web application came back with "Decision pending: we must review your application" Ugh :( In my recent experience Chase never (or almost never) instantly approves business applications. Just let it lie until you hear from them which may be severa...
by gunn_show
Tue Feb 05, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 63
Views: 6679

Re: Free Southwest Companion Pass for 2019

Seems like most of the Chase cards are now at a 40k bonus level, you can get another 20k if you spend a great deal (eg. $12k) Not good, I want to get my CP and then resume life with my Alliant and Costco credit cards. So I'm thinking of doing this: 1) Chase Business card, get 60k points for $3k spe...
by gunn_show
Tue Feb 05, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 63
Views: 6679

Re: Free Southwest Companion Pass for 2019

Get your CP churn going...

"Now, the airline expects to officially start selling flights in February or March and carrying customers shortly after."
https://www.forbes.com/sites/grantmarti ... 66f53d61a5
by gunn_show
Mon Feb 04, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 63
Views: 6679

Re: Free Southwest Companion Pass for 2019

as it stands today, and one of the great things about Southwest in general, is there are zero blackout restrictions on the CP. You have a free companion pass, anywhere, anytime, you buy the initial flight ticket (you just pay the taxes). Period. I have used it to the bay area, and used it to Cancun...