Search found 885 matches

by Bungo
Wed Jan 16, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11429

Re: Are You Dumping Netflix?

$12.99/month is still very good value as far as I'm concerned. I probably wouldn't even think about dumping the service unless the price hits $40-50, or if they introduce ads that can't be avoided by paying for a higher tier.
by Bungo
Tue Dec 25, 2018 12:54 am
Forum: Personal Investments
Topic: Should I hold, rather than sell, tech RSUs in light of downturn?
Replies: 13
Views: 1175

Re: Should I hold, rather than sell, tech RSUs in light of downturn?

If you had the same amount in cash, would you choose to invest it in your employer's stock? If not, then you should sell and use the proceeds to buy whatever you would normally invest in. Capital gains tax is a nonissue if you sell as soon as it vests, as there is no gain to tax.
by Bungo
Mon Dec 24, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: Worst prediction ever?
Replies: 15
Views: 2207

Re: Worst prediction ever?

This one is surely a candidate for the worst prediction of this century: "At this juncture, however, the impact on the broader economy and financial markets of the problems in the subprime market seems likely to be contained. In particular, mortgages to prime borrowers and fixed-rate mortgages to al...
by Bungo
Mon Dec 24, 2018 11:20 pm
Forum: Personal Investments
Topic: What do you do with your down payment money?
Replies: 36
Views: 2655

Re: What do you do with your down payment money?

I used a plain old savings account as interest rates on CDs were negligible at the time (2009-2012) and I wasn't sure exactly when I was going to buy. I was trying to time the market bottom. Got pretty close to a bullseye. :D
by Bungo
Mon Dec 24, 2018 10:53 pm
Forum: Personal Investments
Topic: Anyone rebalancing?
Replies: 36
Views: 2326

Re: Anyone rebalancing?

I rebalanced a couple of weeks ago, may need to do it again before too long if the stock market keeps sliding. Will check in another month or two (normally I only check once or twice a year).
by Bungo
Mon Dec 24, 2018 1:13 am
Forum: Personal Consumer Issues
Topic: French Press recommendations
Replies: 24
Views: 1423

Re: French Press recommendations

The glass ones are a horrible mess to clean up if they break, I speak from bitter experience. Also, the steel versions maintain heat longer, if that matters to you. You can also take them camping, which I wouldn't recommend with a glass model. I use this one now: https://www.amazon.com/gp/product/B0...
by Bungo
Tue Nov 27, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1117
Views: 113854

Re: What Movie Have You Recently Watched?

Hi guys, My first post so I thought I'd ease into this. Just binge watched stranger things 2 season. It was awesome for a gen xer like. I'm curious how younger and older bogleheads think of it? I liked the first season (Gen xer as well, grew up in the '70s/'80s), but found the second season to be c...
by Bungo
Mon Nov 26, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 55024

Re: Name something you had to have and now you regret purchasing it?

Hands down, the swimming pool that came with my house which I've used maybe once per year. Huge waste of space, water, and energy. Finally decided enough is enough and had it filled in last month :D Should have done it years ago.
by Bungo
Mon Nov 26, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5638

Re: New TV Recommendations Please?

Just replaced a Samsung LCD 55" with an LG OLED 65". Expensive upgrade but by far the best picture quality of any TV I have owned.
by Bungo
Sun Nov 25, 2018 1:42 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 220
Views: 14793

Re: What is your allocation to U.S. and International?

My stock allocation is 50/50 US/international, thus a slight tilt toward the US (market weight would be 43/57) which I justify for the sake of simplicity.
by Bungo
Wed Aug 22, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10749

Re: I own 1,387 items!

I'm sure I have more than 1000 items in my garage alone.
by Bungo
Sat Aug 11, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 7008

Re: Paper checks yes or no?

I don't write many physical checks, but there are a couple of categories where it's the easiest solution. One category is a bill that requires payment to be accompanied with some physical piece of paper and where other types of payment are not accepted or carry a surcharge, e.g. property tax, some m...
by Bungo
Tue May 22, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 7071

Re: How have you upgraded your wardrobe?

Professional attire here in Silicon Valley is t-shirt and jeans, thankfully :D
by Bungo
Sun May 20, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Door Dash: Has anyone used?
Replies: 14
Views: 2355

Re: Door Dash: Has anyone used?

mak17f wrote:
Sun May 20, 2018 5:20 pm
If you buy a Doordash monthly pass for $10, the service and delivery fees are waived. Essentially, you only pay a tip to a dasher.
How do you buy a monthly pass? This is the first I've heard of it. Can't find any reference to it on their website.
by Bungo
Sun May 20, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Door Dash: Has anyone used?
Replies: 14
Views: 2355

Re: Door Dash: Has anyone used?

My wife and I use it fairly often. Not sure I understand the "glorified" adjective. It is a food delivery service, period. It has a significantly better selection of restaurants than the alternatives that I'm aware of (Uber Eats and Amazon). It's quite overpriced compared with the competition (and a...
by Bungo
Sat May 19, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 6104

Re: Finance a $28,000 house for Brother?

In my experience, "loans" to family members are never paid back and can cause irreparable harm to family relations. I've done it in the past but would never do it again. Agree with others that the house sounds like a money pit. If your brother can't afford $28k (less than the cost of a car), how is ...
by Bungo
Sat May 19, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Requesting to go part time - negotiating strategies
Replies: 45
Views: 5314

Re: Requesting to go part time - negotiating strategies

Would working from home 2-3 days a week give you the flexibility you need? Depending on the specifics of the job and employer, that may be easier to negotiate than going part-time, and you would be able to keep your full-time salary and benefits.
by Bungo
Thu May 17, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Free skin cancer screenings
Replies: 26
Views: 2655

Re: Free skin cancer screenings

I've had three basal cell carcinomas removed and go in for quarterly screenings, and probably will do so for life. It's cheap peace of mind. Basal cell carcinoma itself is not very threatening, but if you've had skin cancer of any kind, you're at significantly higher risk of melanoma, which is extre...
by Bungo
Tue May 15, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 3289

Re: Any experience with Blue Apron?

My wife and I tried it for a few months but eventually cancelled. The food was decent but, as others have noted above, the prep times were considerably longer than indicated by the recipe. Occasionally they failed to include key ingredients in the shipment, necessitating a last-minute trip to the gr...
by Bungo
Mon May 14, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: When is the right time to buy a house?
Replies: 28
Views: 2617

Re: When is the right time to buy a house?

Everyone says not to waste money on rent. Personally, I just waited so long because I haven't done any research on home buying. I would not worry about "wasting" money on rent. The money is not wasted. You are getting a service (shelter) in return for your money. If you buy a house, you will "waste...
by Bungo
Fri May 11, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4959

Re: Should I pay cash for a house?

Be sure to take advantage of the strong position you will be in as the buyer: unless you're in a market where paying cash is the norm, you should be in a good position to negotiate aggressively with the seller to reduce the price, get him to pay all the closing costs, etc. I think YMMV. In our area...
by Bungo
Fri May 11, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4959

Re: Should I pay cash for a house?

Yes, pay cash, so long as you're not pulling money out of tax sheltered accounts to do so. People commenting that this is too much concentration are likely not factoring in your age IMO, and that many 30 year olds typically have negative net worth. I also wouldn't sweat the "only 1.5 bath" comments...
by Bungo
Fri May 11, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4959

Re: Should I pay cash for a house?

+1 in favor of paying cash. I don't see any reason to bother with a mortgage. If you decide you want one later, you can always get one. Be sure to take advantage of the strong position you will be in as the buyer: unless you're in a market where paying cash is the norm, you should be in a good posit...
by Bungo
Thu May 10, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: To Sell or Not to Sell
Replies: 15
Views: 1290

Re: To Sell or Not to Sell

Agree with others that there's no obvious reason or need to sell. I would:
  • Keep the house
  • Build up emergency fund, if needed
  • Pay off loans in decreasing order of interest rate
while contributing enough to the 401(k) to get the full employer match, if applicable.
by Bungo
Sun Apr 29, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 12336

Re: Cashing out of the Bay Area

My point is that unless one is completely, irrevocably sure that they are never going to return to the Bay Area, a safer bet would be to rent out the house. The downside risk for someone who bought many years ago is minimal, unless one plans to time the market at the "peak" and get out. Which, when...
by Bungo
Sat Apr 28, 2018 1:32 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 11864

Re: How did you tell the boss you're leaving/retiring?

Nick Lowe said it best:

I'm giving you my notice
And it works this way
In two weeks' time
You will notice I've been gone
For fourteen days


https://www.youtube.com/watch?v=wsH3wY-nEkw
by Bungo
Fri Apr 27, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 12336

Re: Cashing out of the Bay Area

What's your rollback plan if you realize after a year out of SF that you want to move back? Would you be able to buy back your house? There's zero chance that I would want to move back. I don't like the Bay Area anymore and doubt that I would even visit after I leave. I'm only here for work. Perhap...
by Bungo
Wed Apr 25, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 12336

Re: Cashing out of the Bay Area

The other aspect to consider is how much you value those extra two (?) years of freedom if you have “enough” today. I've tried to restrict my analysis to tangible financial factors, but of course you're right. I value freedom very highly, enough that I've always planned to retire as soon as I had e...
by Bungo
Wed Apr 25, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 12336

Re: Cashing out of the Bay Area

I meant that until those RSUs vest, they have no value. A lot can change in two years -- companies go bankrupt, people get fired, etc. When (and if) they do vest, their value is tied to stock market conditions at the time. I wouldn't plan on them having a particular value -- but I would estimate th...
by Bungo
Wed Apr 25, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 12336

Re: Cashing out of the Bay Area

I wouldn't bet on the future direction of any stock -- but you're effectively doing that by waiting for RSUs to vest . Would you be better off doing it now or in 2 years if the market drops 25%? How much would you lose if it goes up 25% instead? Not sure I get what you mean by the bolded text. Even...
by Bungo
Tue Apr 24, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 12336

Re: Cashing out of the Bay Area

You have not mentioned a spouse or kids. If you are single without kids then renting a place near where you work until you get the RSUs might make the numbers work better so be sure to crunch the numbers for that too. Married, no dependent kids. Agree that this scenario would be worth considering i...
by Bungo
Tue Apr 24, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 6791

Re: How long have you been unemployed?

Age 49. I've been quite fortunate and haven't been involuntarily unemployed since one summer during college when I had difficulty finding a summer job. I've taken several months worth of intentional gaps between jobs over the years.
by Bungo
Tue Apr 24, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 12336

Re: Cashing out of the Bay Area

In a lot of ways at some point it does may not matter. I don't know if it is a true story or not but there is an old story, At a party given by a billionaire on Shelter Island, the late Kurt Vonnegut informs his pal, the author Joseph Heller, that their host, a hedge fund manager, had made more mon...
by Bungo
Tue Apr 24, 2018 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 12336

Re: Cashing out of the Bay Area

The SF Bay area housing is always in demand. Where else can you get great weather, prop 13 make you keep your house longer for more efficient property tax than out of state. Sure, it's always in demand, but we still get booms and busts like everyone else. The weather wasn't any different in 2010-20...
by Bungo
Tue Apr 24, 2018 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 12336

Re: Cashing out of the Bay Area

I don't know how anybody could know this. Really know it. Obviously we can't, anymore than one can know anything about the future. But we have to play the hand we're dealt, and from a financial standpoint, choosing not to sell under the current circumstances seems at least as risky as locking in a ...
by Bungo
Tue Apr 24, 2018 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 12336

Re: Cashing out of the Bay Area

The fact that housing prices may go higher, or lower, should not come into play; that would be essentially market timing that all good BH-ers avoid like the plague. I am fully on board with the BH tenet that the stock market can't be timed. But I'm not sure I've seen any evidence that the real esta...
by Bungo
Tue Apr 24, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 12336

Cashing out of the Bay Area

Any other Bay Area homeowners thinking about cashing out? It feels to me like we may be near the peak of the current real estate cycle. Moving to a cheaper state and buying a house for cash has always been a major component of my retirement plan. I have been targeting 2020 or 2021 for that milestone...
by Bungo
Thu Apr 12, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3580
Views: 1041222

Re: What Book Are You Currently Reading? Part VI

The Looming Tower by Lawrence Wright. https://www.amazon.com/Looming-Tower-Al-Qaeda-Road-11/dp/1400030846 Excellent book, one of the best I've read in the past few years. Looking forward to watching the miniseries on Hulu, and also to reading the (sort of) sequel, The Terror Years: From al-Qaeda to...
by Bungo
Tue Jan 16, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 5591

Re: Anyone pondering moving to a cheaper place and downsizing?

This is a key component of my retirement plan - selling my overpriced Silicon Valley house and moving to a cheaper state. If all goes according to plan (health insurance being the main wildcard), this will allow me to retire about 3-4 years from now, versus 10+ if I stayed here.
by Bungo
Thu Dec 28, 2017 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 10025

Re: Keeping a checkbook register

I haven't bothered with a checkbook register since I started using carbon copy checks 20+ years ago. These days I only write a few checks a year, and I can look at their images online if they've been processed, so there's not much need for manual record-keeping.
by Bungo
Wed Dec 27, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 157
Views: 13720

Re: What non fiction book will you be reading in 2018?

Currently reading The Fatal Shore, by Robert Hughes, about the history of Australia during its convict colony era. Outstanding so far, one of the best history books I've read in quite a while. I'm only 1/4 of the way through, so I will probably still be reading it in 2018. :D
by Bungo
Sun Dec 17, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 14427

Re: Best 401k Employer Match Structure

Obviously the "the sky is the limit" when it comes to possible match structures, but I am looking for something that will be competitive--especially when candidates are receiving offers from local companies: Apple: 50% of first 6% of compensation. (I found this information online--not sure it is co...
by Bungo
Thu Dec 07, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 2128

Re: Okay come clean....How man people share passwords for streaming services?

No, I don't share passwords for anything, except with my wife. I don't want the security risk, and I want to be able to make changes freely (e.g. change password, change or cancel subscription) whenever I want without having to take some third party into account. I also don't want to share my viewin...
by Bungo
Thu Dec 07, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 8580

Re: I received a speeding ticket via mail from IA - should I pay it?

I would pay it, not because I'm moralistic about speeding fines (indeed, it does sound like a ripoff to me), but for the pragmatic reason that saving $100 is not worth the admittedly minor risk that failure to pay would come back to haunt me at some point.
by Bungo
Wed Dec 06, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: I'm declaring a bubble, it's at the peak
Replies: 15
Views: 2760

Re: I'm declaring a bubble, it's at the peak

aristotelian wrote:
Wed Dec 06, 2017 3:05 pm
I see a 5-10% correction. But I have been seeing a 5-10% correction since January and the market has gone up 20%.
OMG, a 5-10% correction? The sky is falling!

It wasn't that many years ago (OK, nine years) when the market was routinely swinging by that much almost every day.
by Bungo
Wed Dec 06, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 26318

Re: Do people still use AAA?

If people are relying on AAA to change a tire...you screwed up in life. THat should be a requirement for a drivers license. And if you're a guy a cant change a tire...pfffttt...nuff said. I'm a firm believer in efficient division of labor. I don't expect the tow truck driver to write his own smartp...
by Bungo
Wed Dec 06, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Timing the housing market
Replies: 35
Views: 3236

Re: Timing the housing market

There's no guarantee that when the market softens, it will soften below the current price. When I moved to the Bay Area in 2011, the prices seemed excessive and we seemed due for a correction. That correction still hasn't come, and home prices now are 70% higher than they were in 2011. It would tak...
by Bungo
Wed Dec 06, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 26318

Re: Do people still use AAA?

I still have an AAA membership even though I haven't had to use it in over 10 years. It's cheap and I have more confidence that it will deliver when/if I need it, than I do in the roadside assistances feature of my car insurance or credit cards. I do use AAA for discounts occasionally, probably not ...
by Bungo
Fri Dec 01, 2017 5:15 pm
Forum: Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 84
Views: 10282

Re: Have you moved to ETF's? Why or why not?

I use mutual funds only. ETFs are probably fine but they add a bit of avoidable market noise and are less convenient to buy/sell/rebalance. If they had better expense ratios than the corresponding funds, I would use them, but they don't, so I don't.
by Bungo
Fri Dec 01, 2017 12:57 pm
Forum: Personal Investments
Topic: Is investing in the stock market just like investing in a house for appreciation?
Replies: 33
Views: 1950

Re: Is investing in the stock market just like investing in a house for appreciation?

I bought my house primarily as a lifestyle choice (I could afford it and wanted my own place after renting for years), and secondarily as protection against rent inflation. I didn't buy explicitly for the purpose of appreciation, but that happened as a natural side effect of rent inflation: both ren...