Search found 86 matches

by Glasgow
Wed Sep 04, 2019 12:40 am
Forum: Personal Consumer Issues
Topic: Tesla Auto Insurance
Replies: 1
Views: 510

Tesla Auto Insurance

Has anyone purchased Tesla Auto Insurance for your Tesla? My Geico increases premium 100% since last year after one claim. I got an online quote from Tesla's insurance site and it's about $500 cheaper than Geico for the Tesla itself. Before jumping on, I'd like run pass bogleheads if I might overloo...
by Glasgow
Tue Sep 03, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: What's your "philosophy" on youth sports?
Replies: 47
Views: 2800

Re: What's your "philosophy" on youth sports?

My philosophy on youth sport is to let kids choose whatever they like. I see AAU business communities make money out of parents: - Join the team - paying membership fee/tuitions - Drive/fly to places for tournaments - spending on gas, airfare, car rental, hotel, eating out, etc. What we've and other...
by Glasgow
Sun Aug 11, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: San Jose (CA) cost of living
Replies: 36
Views: 4231

Re: San Jose (CA) cost of living

Someone mentioned bullet train in San Jose. I temporarily left CA for 2 weeks ago for vacation, and bullet trains have just been completed. Congratulations to CA for being ahead of schedule. BTW, mail theft, drivers without car insurance, hit-and-run and burglary in SJC are an epidemic. Gas prices a...
by Glasgow
Thu Jul 18, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Extended warranty for kitchen appliances
Replies: 31
Views: 2077

Re: Extended warranty for kitchen appliances

Based on my experience with Samsung fridge, I’d suggest you buy it. Low ice output due to bad seal, ice cobbles due to bad sensor, and torn door seal. Glad that we bought the extended warranty.
by Glasgow
Thu Jul 04, 2019 1:45 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 48044

Re: What lifestyle creep made you happier?

Cruise: - Started out cruising with Carnival, inner room and Deck 4. Felt engine's vibration while sleeping. + Tried out on Celebrity and gradually booked porter hole, ocean view and then balcony. Can't go back. Electric car: - Every time we drive our ICE car, we hear engine noise, feel engine vibra...
by Glasgow
Wed Jul 03, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 23150

Re: Do you share your net worth with family members?

No, but our relatives have an idea our net worth. Here's why: 1. House price: they know where we live. Punch in house address on Zillow.com and they'll be able to figure out how much I bought it for and how much it now. If they want more detail, they'd presume 20% down payment and the interest rate ...
by Glasgow
Wed Jul 03, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4244
Views: 1226438

Re: What Book Are You Currently Reading? Part VI

Franklin Barbecue - A Meat-smoking Manifesto
by Glasgow
Wed Jul 03, 2019 7:11 pm
Forum: Personal Investments
Topic: Pick one: $135,000 rental property or $110,000 in REITs
Replies: 89
Views: 11947

Re: Pick one: $135,000 rental property or $110,000 in REITs

Maybe. Maybe not. If housing market is going up consistently due to jobs and supply-and-demand, and net income is positive, then, yes, leveraging that $135K would be good for 1 or 2 houses. Assuming the gain in the next 5 years beats the heck out of REIT. If the housing market is pretty much flat, t...
by Glasgow
Fri May 31, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 41434

Re: For those who earn $500k+ per year. How'd you do that?

Retired military fighter/test pilot ($100k). Transitioned to business development starting at the director level of $200M division ($150k). Moved up to VP of BD at the billion dollar level ($400k) then president of a division ($600k total comp). At the president level, comp is 1/3 salary, 1/3 bonus...
by Glasgow
Fri May 24, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 153
Views: 18290

Re: 4M 70K expenses would you stop?

Definitely. Travel and/or do something you like.
by Glasgow
Tue May 21, 2019 11:26 am
Forum: Personal Investments
Topic: Retirement goal seems far away
Replies: 25
Views: 2186

Re: Retirement goal seems far away

10 years is shorter than my Weber gas grill’s age (20 now) or my Sunbeam iron (15 years old and just used it this morning). 8-)
by Glasgow
Tue May 21, 2019 10:26 am
Forum: Personal Investments
Topic: Retirement goal seems far away
Replies: 25
Views: 2186

Re: Retirement goal seems far away

Imagine you are on the airplane and watching your watch, your mind would say that the flight time is like eternity. I had the same thinking as yours before, and what I've done is looking for interesting thing in my work and life and enjoy things along the way. Once in a while, when market goes up, y...
by Glasgow
Sun May 19, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 19988

Re: High net worth, elite private or “good” public

Parenting is 50% of the equation. 40% is the child. 10% is the school. We debated whether we sent our elder son to private or public. We chose the later. The demographic and environment is quite good, but his academic achievement is mediocre (B and above in all class except math although he mostly ...
by Glasgow
Wed Apr 17, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 10770

Re: Luxury car recommendations?

IMO you aren’t missing anything. I had a Benz for many years and it was honestly the worst car I’ve ever had. Within a week you will tire of the do-dads and nick-knacks (which all cost a fortune to fix). Buy a Volkswagen to get some higher build quality without the gimmicks and be done IMO. I would...
by Glasgow
Wed Apr 17, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 10770

Re: Luxury car recommendations?

We're lifelong savers. With some luck we're doing relatively fine financially. So we'd like to live a bit more. In the past we usually buy a brand new Camry or like, and run for 10 years and repeat. Now we are wondering if we should try a Lexus or something similar? Some background info: We are cer...
by Glasgow
Mon Apr 15, 2019 11:49 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 11696

Re: seriously thinking about leaving S. CA but where to?

123 wrote:
Mon Apr 15, 2019 11:40 pm
Do you know the way to San Jose (California)? The beach is over the hill in Santa Cruz with lots of options.
The starting price in good neighborhood is somewhere around $1M for a 3BD/2BA, hence, $12K-13K prop tax. Not good for retirement.
by Glasgow
Mon Apr 15, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 11696

Re: seriously thinking about leaving S. CA but where to?

I'm thinking on the same line as OP except I'm from NorCal. On the way out of post office this morning, I picked up New Homes (for Bay Area and vicinity) ad magazine. To my surprise, new homes in West Sacramento start at 300's. With that, I might consider buying an old house for a couple of or 3 hun...
by Glasgow
Mon Apr 15, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 7607

Re: After financial independence, do you play credit card bonus games?

For those who've earned high 4- or 5-digit bonus, do you discriminate against Discover or AMEX due to less number of stores accept them?
by Glasgow
Mon Mar 25, 2019 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement - hypothetical
Replies: 58
Views: 6062

Re: Early retirement - hypothetical

What are your annual expenses? I would recast this idea as "working part-time" or "taking care of the kids" or something like that rather than early retirement. From what you've said it sounds like you could make it work if your spouse is onboard. I'd also leave your 401k/IRA alone for the time bei...
by Glasgow
Sun Mar 24, 2019 2:46 am
Forum: Personal Finance (Not Investing)
Topic: Where do you find high paying jobs?
Replies: 72
Views: 6075

Re: Where do you find high paying jobs?

Salaries and benefits at FAANG and other high tech companies are comparable (except at Google you can add more fat onto your body). The significant difference is sign-on RSU. Refreshed RSU grant might not be as much compared to sign-on one. To get consistent high paying job, work in high tech fields...
by Glasgow
Sat Mar 09, 2019 2:51 am
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 12051

Re: Best Car Values

Preaching the choir...LBYM. we buy cars as long as we can comfortably and financially afford based on my NW, income, need/want. Also if something we enjoy daily, we are willing to pay the price because that's our fruit of labor. In our case, we have a BEV. In our particular cases, we've got comfort,...
by Glasgow
Sat Mar 09, 2019 2:25 am
Forum: Personal Consumer Issues
Topic: Espresso Maker 2019
Replies: 106
Views: 7770

Re: Espresso Maker 2019

I've used Breville 870XL a with integrated hopper and burr grinder for 6 years. I had to go through trial-and-error with grinder dial to get to the level of ground coffee the machine and I want; too coarse ground coffee impedes pressure build up and too fine would suffocate it. It has gone through 3...
by Glasgow
Tue Mar 05, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 23010

Re: Talk me in/out of $35k Tesla Model 3

I was once rear-ended at around 30 mph, and wife scrubbed the edge of a concrete a wall while turning right into a parking space at 1-2 mph next to the wall. - The rear-ended one got into the frame, and quarter panel, rear gate, bumper and rear frame support. Total repair cost $22K - The scrubbed on...
by Glasgow
Wed Jan 30, 2019 2:12 am
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 130
Views: 11823

Re: Please share some lifestyle creep you regret.

Camera - Use occasionally for family portrait. Too heavy to lug around. Still love superb quality colors and details of photos produced by this camera and selected lens for certain type of shots Motorcycle - Wife always discourages me to ride although I still like to on countryside road for fresh a...
by Glasgow
Sat Oct 20, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 14028

Re: What time do you get up in the morning?

Hit the sack between 10:30 and 11:15 PM. Get up at around 6-6:45 when DW gets up to cook lunch. There are times I wake up at 4-4:30. If I can get back to sleep, I would. Otherwise, get up, consume a warm glass of water and look for something to read i.e. bogleheads.org, books or reflect. Any day tha...
by Glasgow
Wed Oct 03, 2018 10:36 pm
Forum: US Chapters
Topic: livesoft is almost at 50,000 posts...
Replies: 75
Views: 10900

Re: livesoft is almost at 50,000 posts...

abuss368 wrote:
Wed Oct 03, 2018 9:17 pm
At the current rate, when will livesoft hit 500,000 posts?
When he hits RMD :D

I do enjoy many veteran posters here and livesoft is one of them! It's my daily forum since I joined and a big thanks to moderators who keep posts in check.
by Glasgow
Wed Oct 03, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Apple - macOS Mojave
Replies: 35
Views: 3298

Re: Apple - macOS Mojave

Updated mine. Run like a charm. News and stocks apps are pretty good.
by Glasgow
Sun Sep 23, 2018 1:47 am
Forum: Investing - Theory, News & General
Topic: How do you define your success in our life, career and job?
Replies: 25
Views: 2077

How do you define your success in our life, career and job?

I define my success in Life: - Getting educated (graduate degree), a good career making good money and raising my children to get graduate degree and have good jobs. My nuclear family will be still loving each other (once they're about my age or older) and continue having dinner frequently (at least...
by Glasgow
Fri Aug 03, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 3205

Re: Should I roast my own coffee?

If you are going to be a roaster, then you have to also be a high level grinder. I can buy million dollar beans and somehow manage to not quite get the grind right. A couple different grinders (max $70) didn't seem to help. Maybe I need a higher quality grinder. At some point (when work is no longe...
by Glasgow
Fri Jul 27, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 15978

Re: Tips for staying active / injury-free into older age

Question for those above 50s and jogged when you were young:
In retrospect, would you recommend jogging it? If you did, how has it affected your back, knees and joints?
by Glasgow
Wed Jul 25, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 4145

Re: Intermittent Fasting

I have been semi IF to help losing 30 lbs from 175 lbs and maintaining the weight. At the start: Morning: * 2 shots of espresso * 1/2 of small apple * (water + pee)^x Afternoon: * Fried, grilled, fried, sauteed fish i.e. salmon, tilapia, catfish, tuna, or meat, etc. Absolutely no processed condiment...
by Glasgow
Wed Jul 25, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Do you like technical conferences?
Replies: 32
Views: 2364

Re: Do you like technical conferences?

One of the main reasons that pulls me back from travelling and attending conferences is creating hardship for my wife at home with one young teen and a grade school dude. She must work really hard to catch up works due to company downsizing. Contributed aforementioned reasons sound good to me. It'd ...
by Glasgow
Wed Jul 25, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Do you like technical conferences?
Replies: 32
Views: 2364

Do you like technical conferences?

When you're still working and have opportunity to attend conference related to your field, do you like to travel to attend? What do/don't you like about traveling and conference itself? Reading the proceedings would cover the material presented at the conference? How does it help your career advance...
by Glasgow
Tue Jul 24, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Cali Muni Money Market Yield Dropping
Replies: 7
Views: 989

Re: Vanguard Cali Muni Money Market Yield Dropping

moehoward wrote:
Tue Jul 24, 2018 6:42 pm
I sold VG CA fund and intermediate tax free funds a while ago.
What was the reason?
by Glasgow
Fri Jun 29, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: glass cancer?( watermark etching)
Replies: 24
Views: 3099

Re: glass cancer?( watermark etching)

I do it every year for our shower stall with 2 sides are glass. I make sure that I run orthogonal line to the blade, so no scratch. Add a bit of water to lubricate does help.
by Glasgow
Fri Jun 29, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: glass cancer?( watermark etching)
Replies: 24
Views: 3099

Re: glass cancer?( watermark etching)

Have you tried scrapping water stain with utility knife or the like blade?
by Glasgow
Wed Jun 27, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 11905

Re: Lost out on promotion

2015 wrote:
Tue Jun 26, 2018 7:53 pm
...There are three ways I've found to accelerate this process above all others: read non-fiction business books, hang out with people who are where you want to be and get a mentor.

...
Can you suggest a handful of book titles?
by Glasgow
Sat Jun 02, 2018 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Have $2.5M at 30, career advice needed
Replies: 49
Views: 8963

Re: Have $2.5M at 30, career advice needed

Umm... I don't understand the question. Please stay where you are. $550k gross, after tax is 330k -40k tuition -30k property tax $270k left. Max out retirement savings -48k (401k, HSA, ROTH) Leaving your with $210k with little mortgage, just pay utilities... You can still live like a king even in S...
by Glasgow
Wed May 02, 2018 3:16 pm
Forum: Personal Investments
Topic: Incorrect nondeductible IRA cost basis on Form 8606
Replies: 10
Views: 1190

Re: Incorrect nondeductible IRA cost basis on Form 8606

The first time I sent three 8606 forms for 2013, 2014 and 2015 by themselves without 1040X, and I got three separate letters from different admins at IRS requesting for 1040X. I'm wondering if I send if 4 8606 forms for 2013, 2014, 2016 and 2016 would prompt IRS admin to request for 1040X.
by Glasgow
Wed May 02, 2018 10:52 am
Forum: Personal Investments
Topic: Incorrect nondeductible IRA cost basis on Form 8606
Replies: 10
Views: 1190

Re: Incorrect nondeductible IRA cost basis on Form 8606

Can I send all years in one package or they have to be in separate envelope?
I also have another’s amendment for 2017 due to unaccounted interest from a CD account.
by Glasgow
Wed May 02, 2018 12:19 am
Forum: Personal Investments
Topic: Incorrect nondeductible IRA cost basis on Form 8606
Replies: 10
Views: 1190

Re: Incorrect nondeductible IRA cost basis on Form 8606

kaneohe wrote:
Tue May 01, 2018 11:32 pm
Just fix it........start w/the earliest and fix each subsequent yr. Send all the 8606s in w/ an explanatory note.
Is 1040-X for corresponding year needed to be sent in as well?
by Glasgow
Tue May 01, 2018 10:36 pm
Forum: Personal Investments
Topic: Incorrect nondeductible IRA cost basis on Form 8606
Replies: 10
Views: 1190

Incorrect nondeductible IRA cost basis on Form 8606

My wife started contributing to Nondeductible IRA in 2013. On form 8606, Year 2013: Line 1: 5500 Line 2: 4800 <==== It started from this number. We mistakenly took this amount from her rollover IRA's balance (rolled over from her 401k from previous company) and entered it here. Line 14: 10300 Year 2...
by Glasgow
Sat Apr 07, 2018 12:38 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 7677

Re: Restaurants Vs. Cooking?

rosylenm wrote:
Sat Apr 07, 2018 12:00 am

You can dry age steak at home. I’ve done it several times and it’s fairly easy to do...
Could you tell us the procedure to dry-age the steak?
by Glasgow
Thu Jan 25, 2018 11:57 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 7201

Re: Happy Birthday, Taylor!

Happy Birthday Grandpa Taylor! :D
With Best Wishes!
I always read your posts to extract wisdom nuggets. ;-)

Respectfully.
by Glasgow
Sun Jan 07, 2018 5:10 am
Forum: Personal Consumer Issues
Topic: Money and Morality
Replies: 5
Views: 1448

Money and Morality

Few days ago, I was looking for the book "Enough" by JB that I though I bought it, but I couldn't find it. Went to library to borrow one carrying along with me on the trip and read while I was on the plane. Also, while browsing topics on Quora, I found someone posted a link to this article talking a...
by Glasgow
Tue Jan 02, 2018 3:43 pm
Forum: Forum Issues and Administration
Topic: Slow loading of pages.
Replies: 27
Views: 6256

Re: Slow loading of pages.

Bosses also wonder why their subordinates are slow and not very productive today. :D
by Glasgow
Tue Dec 19, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 14546

Re: How much did you contribute to your 401k in 2017?

Max + matched amounts.
Age: Less than 100.
by Glasgow
Tue Nov 07, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: At-fault insurance's estimate different from bodyshop's
Replies: 21
Views: 1644

Re: At-fault insurance's estimate different from bodyshop's

As earlier plan, I asked adjuster and bodyshop to reconcile the difference. Adjuster worked with the shop rep who then agreed to update his estimate to align with adjuster's. It's a 100% that there'll be supplemental work order once shop removing damage parts and more damages will reveal. He sent me...
by Glasgow
Mon Nov 06, 2017 3:35 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 15600

Re: Why make more money?

Once I'm FI and still have a well-paid job, I can cash flow remodeling kitchen, enhancing back/front yard landscape, buying new car and things I want before I retire. Once retired, spending money on those would be hard to swallow. So if I'm FI, I'll be ready for retirement in the next 5 years.
by Glasgow
Sat Nov 04, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: At-fault insurance's estimate different from bodyshop's
Replies: 21
Views: 1644

Re: At-fault insurance's estimate different from bodyshop's

Thanks all. Your above advices are what I am looking for. Yes, I informed my insurance first right after the accident, and I chose to claim with the other side's insurance. I'll have the adjuster talk to the shop early next week to resolve this and thry together come up with the updated work authori...