Search found 1415 matches

by gunn_show
Mon Jul 16, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Job Change?
Replies: 7
Views: 697

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: 1917

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: 508

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: 3197

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: 3289

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: 1937

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: 1621

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: 9061

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: 96
Views: 10390

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: 44
Views: 4021

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: 44
Views: 4021

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: 2632

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: 2632

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: 1780

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: 343
Views: 31739

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: 1482

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: 3847

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: 3847

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: 999

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: 1959

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...
by gunn_show
Tue Jun 12, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5690

Re: When should you consider removing the collision coverage on a car?

I dropped collision and comprehensive on my 10 year old truck with about 95K miles. The truck is probably worth around $8K. I also dropped rental and towing coverage at the same time. My reasoning - I only insure things I can't easily afford. Dropping collision saved me $300/year and dropping compr...
by gunn_show
Tue Jun 12, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5690

Re: When should you consider removing the collision coverage on a car?

I had a bad experience where I was hit by a driver in a rental car whose only insurance was the insurance he bought at the rental-car counter. Fair enough. I saw this after my response. But this is classic definition of "corner case" ... YMMV is right = you will choose to spend thousands of dollars...
by gunn_show
Tue Jun 12, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5690

Re: When should you consider removing the collision coverage on a car?

Just a couple of things to think about before dropping coverage . . . Collision coverage has some value beyond repairing your car in the event of an at-fault accident. It also entitles you to representation by your insurance company in the event of a not-at-fault accident, i.e., you can file a clai...
by gunn_show
Mon Jun 11, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Tv mount with no studs
Replies: 20
Views: 1959

Re: Tv mount with no studs

OP here. Thank you for all responses!! I have some research to do and a trip to home depot. I am not that handy so I am a little nervous about tackling this project. Lot of solid good replies here for sure But in your case, with your admission, personally I would hit Yelp or Nextdoor and find the b...
by gunn_show
Mon Jun 11, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5690

Re: When should you consider removing the collision coverage on a car?

I think a factor in this decision should be your exposure to an accident. How much do you drive and is it in an urban or rural area? If you drive 200 miles/month in a rural area, your exposure is low. If you are commuting daily in dense, urban traffic, your chance of being involved in an accident i...
by gunn_show
Mon Jun 11, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Moved Family Across Country for New Job and Job is now gone
Replies: 27
Views: 6536

Re: Moved Family Across Country for New Job and Job is now gone

I would at least have a quick chat with a lawyer about them reneging on the job unless you really think they would be insolvent too quickly to pay any judgement you get and you don't think it would hurt your reputation in the area you are in. It isn't a slam dunk, but being told you have a job, rel...
by gunn_show
Fri Jun 08, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: negotating salary for lateral move
Replies: 7
Views: 570

Re: negotating salary for lateral move

Is this change within the same company, or changing to a new employer? Just because the title is the same, does not mean it is a lateral move. If there is more responsibility, it is a promotion of sorts and should be appropriately compensated. same company. agreed that greater responsibilities shou...
by gunn_show
Fri Jun 08, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: negotating salary for lateral move
Replies: 7
Views: 570

Re: negotating salary for lateral move

Is this change within the same company, or changing to a new employer? Just because the title is the same, does not mean it is a lateral move. If there is more responsibility, it is a promotion of sorts and should be appropriately compensated. Hard to say, more details are needed here. What type of...
by gunn_show
Tue Jun 05, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5079

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

1. What do you do? For professionals there are probably more opportunities in Philly. The only SP500 company here is Freeport McMoran. In my situation I am a physician in private practice and Phoenix is less saturated and easier to practice here. Not to nitpick, and I don't live in AZ, but uh, this...
by gunn_show
Mon Jun 04, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on next steps
Replies: 6
Views: 968

Re: Looking for advice on next steps

Sandtrap laid out a pretty solid plan, I would follow that. The zero after-tax savings is the biggest concern. Also, why not maxing 401k for each, if you have so much surplus cash monthly. Same with HSA. These are prime pre-tax saving vehicles. With $170-200k in total income you should be maxing all...
by gunn_show
Sun Jun 03, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Profile: The Road to 1Million USD
Replies: 42
Views: 8510

Re: Profile: The Road to 1Million USD

From my stats, how long (if even possible) would it take to hit 1 Million? What can I do better? Great job, keep at it, you are very young. Without reading the other replies, some thoughts: You can create a FMV excel spreadsheet to track future values and savings, and there are many templates out t...
by gunn_show
Sun Jun 03, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5079

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

I believe you shouldn't even spend time pondering this until you actually visit Phoenix. You may love it. You may hate it. Hard to make an informed decision, otherwise. I can't even fathom moving to a place I have never visited before. Where do YOU want to live, OP? This. As of today, this is merel...
by gunn_show
Fri Jun 01, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Beach condo vs mountain cabin investment property
Replies: 30
Views: 2589

Re: Beach condo vs mountain cabin investment property

I live 6 hours from my mountain cabin. Bad idea. Don't do it. I live 7 hours from my mountain condo, and agree, it often makes it rough. You have to be dedicated and put enough days in each trip to make it worth the 7hrs each way. There is no quick way to drive 400 miles. We bought it on the cheap,...
by gunn_show
Mon May 21, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3443

Re: Wifi + wired device

This is a no-brainer. A mesh wi-fi system is the easiest to set up/highest performing/bang for the buck combo out there. I use google wifi and it rocks. This. What I do, and I work from home and my office is downstairs / far from main hub. Works great. Or this, which I agree, not sure what you have...
by gunn_show
Mon May 07, 2018 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Potential job change with more opportunity/more risk - negotiate severance terms in advance?
Replies: 11
Views: 1045

Re: Potential job change with more opportunity/more risk - negotiate severance terms in advance?

there is no true negotiations until there is an offer. you interview, they offer, you negotiate, and then you either accept or not accept. there is reason why you are looking at different opportunity - whether it is career concerns regarding current place, bump in comp, etc. many times, the 'concer...
by gunn_show
Thu May 03, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Receiving house after parents pass away - legal issues with siblings?
Replies: 35
Views: 3566

Re: Receiving house after parents pass away - legal issues with siblings?

Question #1: Why were your parents unable to come up with 20% on their own? Question #2: Why are your parents buying a house they can't afford? I would suggest structuring a loan and have your parents pay you in monthly payments. Otherwise, you've given a gift to your siblings, worst case. Of all t...
by gunn_show
Thu May 03, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2121

Re: Real Estate Commissions - How Negotiable?

This was my exact experience. I assume for $1m or more house, the selling agent would come down more. Going through this now, similar price range as OP, and this is as a seller and a buyer (1031 exchange situation, both homes >$1M). In CA, especially the hot markets like SoCal and SFBA, it is very ...
by gunn_show
Fri Apr 27, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 6083

Re: Comfortable Commuter Cars under $50K

I've always been a honda / acura guy, now a Lexus guy. Slightly older than OP, same income sphere, but married with a new kid my DD is a 2007 LEX GX 470 SUV... v8 AWD gas guzzling masher of a beast, fast off the line, comfortable as all hell. I drive it 7 hrs each way to snowboarding all the time. G...
by gunn_show
Thu Apr 26, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Another house budget question
Replies: 25
Views: 2504

Re: Another house budget question

A 1.2mil mortgage will have about 7 or 8k a month in PITI, more than double your current rent. Would that still be comfortable? What do you spend the other 6k a month on? How quickly can you get another job if your startup goes poorly? What if the tech market (assumption) goes south in a few years,...
by gunn_show
Thu Apr 26, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 6485

Re: Who benefits from "best and final offer" on condo?

First of all, don't get too caught up in this, there will be other houses. And if it makes you feel better, the "winner" may experience some remorse over the next few days, fearing that they really overpaid...which they probably did, since that is often what happens with multiple offer situations. ...
by gunn_show
Tue Apr 24, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10520

Re: Salary Negotiation gone sour

So this is the first time you stated this (90-95 PLUS 10 to 15 percent bonus). You didn't state this originally. If you weren't clear with us is it possible you weren't clear to the recruiter and weren't clear to the hiring manager? Thanks Daft. OP which one is it? It is seemingly more likely you w...
by gunn_show
Tue Apr 24, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10520

Re: Salary Negotiation gone sour

I have added color multiple times. I was interviewing expecting 90 to 95 plus 10 to 15 percent bonus. I was offered 5 less than the lowest base pay I could expect. How is this in any way a surprise that I didn't take it? It wasn't anything close to what I wanted. fair enough, then I retract my rema...
by gunn_show
Tue Apr 24, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Job Interview - Send follow up email?
Replies: 16
Views: 1780

Re: Job Interview - Send follow up email?

RickBoglehead wrote:
Tue Apr 24, 2018 12:28 pm
In the future, send a thank you email to EVERYONE that you met with. And quick, ideally the same day before they caucus about you.
This.

And then you reply to the first email directly to the hiring manager or recruiter as a 1-week courtesy follow up.
by gunn_show
Tue Apr 24, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10520

Re: Salary Negotiation gone sour

They offered you nearly $100k total comp. I’m not sure what is wrong here. And you countered their counter with a difference of about $1K in total comp. As a hiring manager I would have walked. +1 see below I spoke with the recruiting agent's manager who stated that my experience was a little below...
by gunn_show
Tue Apr 24, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Any use in keeping Alaska Airlines card ?
Replies: 8
Views: 1396

Re: Any use in keeping Alaska Airlines card ?

Some other cards like UA's explorer do give you more access to award seats (international and local). Does Alaska's card do that ? [ don't think so] No. I only keep the AS card for the annual companion ticket. I put basically no spend on it and would cancel it if I found that I had no need for the ...
by gunn_show
Tue Apr 17, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best High Interest Savings Account?
Replies: 20
Views: 2186

Re: Best High Interest Savings Account?

Just helped my mom move her credit union money earning zilch over to Goldman's Marcus product. It's at 1.60% right now and some attractive CD rates.

Was very simple to do, very nice website

https://www.marcus.com/us/en/savings/high-yield-savings
by gunn_show
Tue Apr 17, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Too much rent?
Replies: 21
Views: 2017

Re: Too much rent?

Wanting and needing a fenced yard for your dog are two different things. :wink: What if your apartment was within close distance of a park/dog park? You will have to decide if dog > owning a house. We can't answer that. Any reason you're looking for a house rather than a 1 or 2 bedroom apartment? W...
by gunn_show
Fri Apr 13, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should you always use a 529?
Replies: 30
Views: 1781

Re: Should you always use a 529?

The bigger question for you is why are you putting the funds into a money market account, rather than investing in a fund that will (hopefully) appreciate over the next decade. I have been putting funds aside for my grandchildren using the Utah 529. About 35% of the current fund balance represents ...
by gunn_show
Thu Apr 12, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I join a startup?
Replies: 14
Views: 1471

Re: Should I join a startup?

It all depends on what your opportunity cost is, and what you get out if it aside from financial rewards. If you gain skills that improve your future earnings potential, it may be worth doing. If you give up seniority and advancement in a conservative company, you might be giving up more than any i...
by gunn_show
Thu Apr 12, 2018 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 5163

Re: realtor wants to show house to buyer, no listing agent for me

No one has mentioned the worst part of this: you're likely to receive less than the market value for your home if you go with this buyer. This is more or less acknowledged by the realtor who told you that this buyer lost out on other homes in the area, ie, the buyer didn't offer the highest bid. Th...