Search found 122 matches

by Stupendous
Tue Mar 02, 2021 8:35 am
Forum: Personal Investments
Topic: Should I tilt away from employer industry (tech)?
Replies: 6
Views: 481

Re: Should I tilt away from employer industry (tech)?

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.
by Stupendous
Fri Feb 19, 2021 4:51 pm
Forum: Personal Consumer Issues
Topic: Accepting payment on used car sale during covid
Replies: 55
Views: 4222

Re: Accepting payment on used car sale during covid

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 ...
by Stupendous
Mon Feb 15, 2021 9:56 am
Forum: Personal Investments
Topic: Am I ahead or behind for my age? Do I need an emergency fund?
Replies: 27
Views: 2321

Re: Am I ahead or behind for my age? Do I need an emergency fund?

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...
by Stupendous
Tue Dec 22, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting my Assets
Replies: 73
Views: 2820

Re: Dating & Protecting Wealth

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...
by Stupendous
Tue Dec 08, 2020 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What should a 23 year old consider before purchasing a Tesla?
Replies: 264
Views: 13500

Re: What should a 23 year old consider before purchasing a Tesla?

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...
by Stupendous
Wed Oct 21, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 7100

Re: New smoker recommendation?

$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...
by Stupendous
Thu Sep 17, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 102
Views: 6559

Re: Gravel Bike Recommendation

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 ...
by Stupendous
Thu Sep 17, 2020 5:05 pm
Forum: Personal Consumer Issues
Topic: Gravel Bike Recommendation
Replies: 102
Views: 6559

Re: Gravel Bike Recommendation

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 ...
by Stupendous
Sun Aug 30, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Sit and Stand desk + a regular desk?
Replies: 15
Views: 950

Re: Sit and Stand desk + a regular desk?

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...
by Stupendous
Thu Aug 27, 2020 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Keeping assets separate in marriage
Replies: 40
Views: 3271

Re: Keeping assets separate in marriage

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.
by Stupendous
Thu Jul 30, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: Should I coat my new garage floor with something?
Replies: 27
Views: 3186

Re: Should I coat my new garage floor with something?

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...
by Stupendous
Fri Jul 17, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: Anyone else love this new working from home thing?
Replies: 89
Views: 6608

Re: Anyone else love this new working from home thing?

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.
by Stupendous
Thu Jul 16, 2020 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10050
Views: 710097

Re: Refinance Mega Thread

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 ...
by Stupendous
Mon Jul 13, 2020 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10050
Views: 710097

Re: Refinance Mega Thread

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...
by Stupendous
Wed May 20, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 21222

Re: What is your most luxury/expensive hobby.

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...
by Stupendous
Tue Feb 04, 2020 11:40 am
Forum: Personal Consumer Issues
Topic: Any adult Nintendo Switch owners? Thoughts?
Replies: 29
Views: 2313

Re: Any adult Nintendo Switch owners? Thoughts?

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.
by Stupendous
Sat Dec 07, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Bike Rack Recommendations for 2” Hitch
Replies: 32
Views: 2357

Re: Bike Rack Recommendations for 2” Hitch

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

https://www.1up-usa.com/
by Stupendous
Sun Nov 24, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: [Tesla truck]
Replies: 170
Views: 13249

Re: [Tesla truck]

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.
by Stupendous
Sun Oct 06, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Broken driver-side window. What to do?
Replies: 30
Views: 2796

Re: Broken driver-side window. What to do?

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...
by Stupendous
Fri Sep 20, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8950

Re: How to handle "split-the-bill" group lunches?

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.
by Stupendous
Fri Aug 02, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: Help me choose my next Boglecar!
Replies: 52
Views: 3852

Re: Help me choose my next Boglecar!

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...
by Stupendous
Fri Sep 15, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: 2017-18 Outback MPG
Replies: 19
Views: 2317

Re: 2017-18 Outback MPG

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.
by Stupendous
Fri Sep 08, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 8058

Re: Purchasing Home With Girlfriend; Good or Bad?

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 ...
by Stupendous
Wed Jul 05, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Those who max 401k
Replies: 55
Views: 10432

Re: Those who max 401k

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...
by Stupendous
Mon Jun 26, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 18306

Re: Where to find a financially like-minded significant other?

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'...
by Stupendous
Sun Jun 18, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 150
Views: 16934

Re: Any BHs Had Experience With the Honda Fit?

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...
by Stupendous
Thu Jun 01, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 15738

Re: What Do You Pay for an Oil Change?

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.
by Stupendous
Fri May 05, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Unmarried couple purchasing a home?
Replies: 72
Views: 7034

Re: Unmarried couple purchasing a home?

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 ...
by Stupendous
Thu May 04, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Unmarried couple purchasing a home?
Replies: 72
Views: 7034

Re: Unmarried couple purchasing a home?

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.
by Stupendous
Wed Mar 15, 2017 12:23 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 25199

Re: gratuitous homeownership items

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...
by Stupendous
Wed Mar 08, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 57026

Re: GEICO auto rates vs. USAA: too good to be true?

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.
by Stupendous
Sat Dec 24, 2016 4:52 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 11010

Re: Hard Endeavor/Exercise in Middle Age

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...
by Stupendous
Mon Oct 31, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying 50% of parents' house in a divorce
Replies: 19
Views: 4165

Re: Buying 50% of parents' house in a divorce

You married or plan on getting married? If you own the house your mother is in then a divorce for you could be problematic.
by Stupendous
Thu Sep 29, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 10880

Re: Where/how do Bogleheads get their tires inflated?

Home compressor. Love my air tools :D
by Stupendous
Sun Sep 04, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell taxable investment to pay down fiance's debt?
Replies: 32
Views: 3125

Re: Should I sell taxable investment to pay down fiance's debt?

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.
by Stupendous
Thu Apr 28, 2016 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 13224

Re: Are females just not interested in investing in general or is it just the women that I date?

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.
by Stupendous
Thu Apr 14, 2016 10:24 am
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 142
Views: 23137

Re: When was the most stressful financial time in your life?

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...
by Stupendous
Mon Feb 29, 2016 5:40 pm
Forum: Personal Investments
Topic: My first TLH - question about the 30 day rule
Replies: 1
Views: 268

My first TLH - question about the 30 day rule

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...
by Stupendous
Mon Feb 29, 2016 9:48 am
Forum: Personal Consumer Issues
Topic: Is Working from Home the New Normal?
Replies: 57
Views: 8019

Re: Is Working from Home the New Normal?

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 ...
by Stupendous
Fri Feb 05, 2016 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Asset Protection - Health Care Costs
Replies: 8
Views: 1230

Re: Asset Protection - Health Care Costs

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.
by Stupendous
Wed Feb 03, 2016 9:14 am
Forum: Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 159
Views: 22452

Re: Clueless college new grad 22 yo, 200k income looking to start saving

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 ...
by Stupendous
Sun Jan 24, 2016 10:48 am
Forum: Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 13087

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

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...
by Stupendous
Fri Jan 15, 2016 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off my bride's student loans
Replies: 72
Views: 7207

Re: Paying off my bride's student loans

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...
by Stupendous
Mon Jan 04, 2016 7:22 pm
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 151
Views: 15124

Re: Waste of money?

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 ;)
by Stupendous
Wed Dec 23, 2015 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: High-tech employee lawsuit settlement approved
Replies: 43
Views: 10791

Re: High-tech employee lawsuit settlement approved

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...
by Stupendous
Wed Dec 23, 2015 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: High-tech employee lawsuit settlement approved
Replies: 43
Views: 10791

Re: High-tech employee lawsuit settlement approved

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%.
by Stupendous
Wed Dec 23, 2015 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: High-tech employee lawsuit settlement approved
Replies: 43
Views: 10791

Re: High-tech employee lawsuit settlement approved

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.