Bogleheads.org

Stupendous

I work for a large tech company. 10% of my income is from RSUs. ESPPs and RSUs get sold immediately and converted to VTSAX and VTIAX to minimize any further exposure to my company.

Stupendous

Sorry for bumping this thread back up. I am the op for this post. I have a buyer who is looking to buy, but has applied for a car loan. We are both unsure what is the best way for them to pay me with the car loan. In the past when I have applied for a car loan, the bank gave me a check where I can ...

Stupendous

You're doing great. I wish I was smart enough to start saving earlier like you did. You have to remember there are a lot of high earners on this web site and people can come from privileged backgrounds where they get a leg up when they finish college - e.g. parental help paying for their education a...

Stupendous

YOLO!

Stupendous

Depends on your location. Common-law states are very different than community-property states. In my location, after 2 years of co-habitation, common law provisions of family law kicks in. Any chance of moving to a location without common law? What is their job title on the dating apps? If matching...

Stupendous

You didn't mention how much you have saved up for a house but a large house down payment will make life a lot better for you when you are older because you won't be house poor. To add on to the discussion of lessons learned in your 20's, as my salary grew in my 20's and my hobbies changed, I'd upgra...

Stupendous

$500 is my friend's budget but I'm opened for a bigger $$ :sharebeer Here's my opening to respond! :D https://www.yodersmokers.com/ I upgraded to a Yoder from a Traeger pellet grill (my son now has my old Traeger and loves it). Everything from homeowner to competition type grills. These smokers are...

Stupendous

Folks, I decided my gravel bike. I am going to buy a Lynskey Ti bike GR300 model. With usual discount( 20-25%) it comes down to ~ 3100$. One last question: i cant decide the groupset. I have not ridden any bike with SRAM and my road bike has Shimano Claris. So which one would you pick for the same ...

Stupendous

Folks, I decided my gravel bike. I am going to buy a Lynskey Ti bike GR300 model. With usual discount( 20-25%) it comes down to ~ 3100$. One last question: i cant decide the groupset. I have not ridden any bike with SRAM and my road bike has Shimano Claris. So which one would you pick for the same ...

Stupendous

I have just one large desk so I can fit 3 x 27" momitors. Uplift 60" x 30". It has user programmed heights so switching between sitting and standing is easy. Love it. Wish I would have bought one for home sooner. Have one at work, too. Good luck finding one depending on which directio...

Stupendous

I don't see how she would get half. The house is a pre-marital asset and was paid off before they met. I could see her getting half the increase in value for the duration of the marriage. But she already has her own house and that would most likely go up as well. So almost a wash in net asset gain.

Stupendous

I like nice looking garages so I would. I'm also a motorsports guy so I spend time in the garage. I spent ~$2K for a professionally done, full-chip, epoxy for my 3 car garage 10 years ago. It is still holding up. I occasionally scrub the floor with degreaser and rinse it out. The full chip makes cle...

Stupendous

It isn't ideal. It makes collaboration more difficult since we have bullpens at work. I have less laundry to do. I live alone, too. The co-workers married with kids would much rather go into work.

Stupendous

I had a bad experience with Loan Depot. The guy was incredibly pushy. My current loan is $105K at 3.75%. The guy I spoke with at Loan Depot continued to try and convince me to refi to a 3.625% loan paying almost $3K in closing costs and that I would save interest in the long run. Even after telling ...

Stupendous

I haven't read all 58 pages of posts in this thread, curious if there's a post - or something in the forum wiki - that explains what situations are attractive to refi providers to provide good deals, vs what's not. I'd reached out to a couple of refi providers whose sites provided me far worse #s t...

Stupendous

Well, I'm contemplating re-entering a former hobby that I've been out of for a decade. Track days with the car. I'd like to get back on the track in a non-serious way. Have some fun. Not instruct, which saved me money but burned me out. I started in low power, good handling cars, but tend to want t...

Stupendous

I've been happy with mine but I just purchased it a couple months ago. I bought a 2nd dock for work so I can play during my lunch break (prefer a monitor and real controller). My partner has been getting into it, too.

Stupendous

1UP! No plastic, excellent engineering. Love mine.

https://www.1up-usa.com/

Stupendous

If I was going to spend $70K on a truck I'd go buy a 1 ton DRW. The sail pillar looks like it would make towing a 5th wheel or gooseneck trailer impossible. I would not want to bumper pull 14,000lbs.

Stupendous

It will be cheaper to exclude insurance. https://www.realmazdaparts.com/v-2018-mazda-3--grand-touring--2-5l-l4-gas/body--glass-front-door You won't need a rental car as it can be done in 2 to 3 hours, assuming you don't have tint to replace. Also, make sure you take pictures before the work occurs t...

Stupendous

Another vote for carrying cash and asking for your own separate bill. Use a card to pay your own bill and use the cash to contribute to paying to your friend's birthday meal or your share.

Stupendous

Front
https://www.niterider.com/product/6780- ... 200-boost/

Rear
https://cygolite.com/product/hotshot-pro-200-usb/

Stupendous

I just bought a CX-5. I looked at the Forester, RAV4, and CX-5. I test drove the RAV4 and CX-5. I looked at the Forester and liked the cargo space but was not a fan of the styling or the auto stop/start. The RAV4 lacks Android Auto and I had to spend a lot more money to get ventilated seats (must ge...

Stupendous

36 and $45K-$50K.

Stupendous

Have you browsed fuelly.com to see what people are getting? You won't know their driving habits and the city/highway split but it might give you an average of what to expect.

Stupendous

I think it's funny how people think being married magically makes things better while buying a house together. If you divorce and she's vindictive she can still make your life hell. At least if you aren't married she can't go after your retirement accounts. A marriage is a contract between 2 people ...

Stupendous

I do $18K/24 paychecks and then determine the percentage of my base salary and round up to the nearest whole number. I can elect to only use my base pay to fund my 401k. I can use bonuses if I want but I don't want to rely on those for retirement contributions. My salary is maxed out so I only get 2...

Stupendous

I met my partner of 5 years on match. I looked for potential because bogleheads are an extreme and didn't expect to find that. I did later find out I may have asked too soon about finances :oops: but I can't remember when I exactly did. Maybe it was by month 3? I was anxious about finances and didn'...

Stupendous

I have a 2011 with 78,000 miles. I won't own another one as it didn't work out like I had planned but I'm stuck with it until I drive it into the ground. Likes -Cheap to maintain. Replaced 1 power door actuator myself but everything else has been scheduled maintenance -Decent MPG -Easy to park -Inte...

Stupendous

I do it myself so whatever the cost of Mobil 1 is at Walmart and a good oil filter from wherever. I installed a fumoto valve on my truck and car so it's easy. Paid $85 for 10 qts of Mobil 1 and a Mobil 1 oil filter for my truck.

Stupendous

Just wondering what's the rationale behind behind buying the home together if you're not planning to get married ever? You mentioned that you currently own the condo, does your partner pay you rent? Why not just maintain your current arrangement i.e. You buy/own the house and the other person pays ...

Stupendous

Don't both buy it. Just 1 buy it, hold it in that persons name of course and the other can move in. Protects both of you if things go "bad" The buyer loses out on the transaction costs of buying and selling a home so how do you make that fair? 6% equity to sell is a good chunk of change.

Stupendous

Nothing in my house. No pool because I knew they were a money pit and maintenance headache. I wanted/needed a 3 car garage and big RV gate so I got that. I knew it would come with more square footage than a single person needed, at 2100 sq ft, but most of the space is used. Formal dining room living...

Stupendous

I've been with USAA for ~18 years. I just tried a quote from Geico and I see similar savings. I went from $165/month to $94/month. Wow. I may consider switching but I'm not sure what that will do with my homeowners insurance as I won't be a multi customer anymore.

Stupendous

Another vote for cycling. I'm 36 and started road cycling in April. Hit 5,000 miles this year and I'm loving it. Meetup has been great for finding people to ride with and making riding friends. All the local bike shops do weekend bike rides. It isn't a cheap hobby. Bike was $1800 on the low end of c...

Stupendous

You married or plan on getting married? If you own the house your mother is in then a divorce for you could be problematic.

Stupendous

Home compressor. Love my air tools

Stupendous

I wouldn't pay down the debt if even married. You'll still be out the money if you divorce after paying off the loans. The money would be considered a gift to the marriage most likely.

Stupendous

It's mostly your age. People are still figuring out who they are in their 20's. I didn't start to learn more until I was 30.

Be careful with how you approach your gf on this. My ex said I came off as a constant lecturer.

Stupendous

I've been blessed and have never been financially stressed and I'm mid-30's now. I finished college with $40K in savings because of my conservative parents and their help and was too cheap to buy a house in 2005/2006 with 20% down so I didn't screw up my life that way like so many of my peers. I alw...

Stupendous

I last bought VTSAX and VTIAX on 2/1/2016. When can I sell and buy again? The 30th day is 3/2 if I counted correctly. That means 3/3 - Exchange VTSAX and VTIAX into suitable funds The 30th day after 3/3 is 4/2 4/3 (a Sunday so it actually becomes 4/4) - Exchange back into VTSAX and VTIAX depending o...

Stupendous

I'm a software engineer and have the ability to work from home when I need to e.g. repair man coming, etc. It's convenient for that but otherwise I'm not a huge fan. I prefer to be on campus because it gets lonely at home and I like seeing the familiar faces. I also think it's harder to have design ...

Stupendous

What state do you live in? The homestead exemption provides some safety there with your home. Some states only allow for so much equity to be protected. So if you had money in a taxable account you could protect it by paying down a mortgage, if you had one.

Stupendous

How much are you saving in your 401k and Roth IRA (backdoor method for you because of high income)? You should have those maxed out with your high income. And how big is your emergency fund? Are you and your future spouse aligned on future financial goals? You 2 need to talk about that. I don't see ...

Stupendous

How long until you get married? I hope it isn't any time soon because this is a large issue that should be resolved beforehand. I have a different perspective on marriage, but I think those saying you have no say in the matter until married are wrong because you are in a committed, LTR already. Also...

Stupendous

The amount may help us decide on what to do. If you pay off the loans and then divorce you won't get that money back. How big of a chunk are we talking about here? 10k? 100k? Somewhere in-between? I'd be inclined to pay it off and move on. You're building a life together right? If she really has a b...

Stupendous

Too much. I make $144K per year with only a small mortgage and spent $5K for my setup and I'm happy with it. I have the Hsu Research VTF-1 MK2 or VTF-2 MK4, can't remember which, and I'm happy with that sub.

Dropping $5K on my setup wasn't a problem for me but no wife so no problems in life

Stupendous

Stupendous, Thank you. There certainly seems to be a discrepancy. I was in the 2008 layoffs at Adobe, so my base is from the time covered from lawsuit, and my payout is less than half of yours in percentage. Still a pittance of a check overall, but something seems wrong in how at least mine is calc...

Stupendous

That percentage is compared to what I make now. I started working out of college in 2005. If you use that base pay its 9.18%. By 2009 I was making a lot more so it would be 5.56%.

Stupendous

I haven't gotten my check yet but just called.

My check is 4.45% of my current base pay. I hadn't maxed out my career or pay for the time period listed for my company. I did work there for the entire time period listed though.

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