Search found 1131 matches

by ClevrChico
Sat Apr 21, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2431

Re: How long have you been employed?

First job to present = 27 years.

Total of twelve months involuntarily unemployed. (Telecom crash + .com crash)

Time for a sabbatical?
by ClevrChico
Sun Apr 15, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Removing oil stains on garage floor
Replies: 10
Views: 1121

Re: Removing oil stains on garage floor

I've used Dawn and Brillo pads with success. Dawn soaks and brushing might be enough before getting too aggressive.
by ClevrChico
Sun Apr 15, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Consultant leaning toward 1099 instead of W2 and looking for advice
Replies: 8
Views: 655

Re: Consultant leaning toward 1099 instead of W2 and looking for advice

Have you calculated liability/E&O insurance into the 1099 rate? Since we're a risk adverse group here, I'd suggest having that lined up first if going 1099, as it can take some time.
by ClevrChico
Sat Apr 14, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should we save for our son's college?
Replies: 96
Views: 8078

Re: Should we save for our son's college?

We live in a state with high income taxes, so a 529 is an easy decision for us. The trend is our state schools receive less funding annually and regular tuition increases make up the differences. I want to do what is best for my kids, and I don't want to stress about paying tuition when the time arr...
by ClevrChico
Sat Apr 14, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3859

Re: Is it necessary to replace brake fluid on a car every 3 years?

I think Honda is overkill on their brake fluid schedule in most situations. My Honda factory fill is eight nine years old and still not dark, but that's probably too long. There is a former Acura mechanic on Youtube that covered this. Apparently some dealer mechanics would simply use a turkey baster...
by ClevrChico
Sat Apr 14, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Window blinds to cut costs?
Replies: 8
Views: 1369

Re: Window blinds to cut costs?

If you have storm windows, upgrading to new storm windows with "Low-E" glass can make a big difference. Low-E can block most solar heat. Cost per window is around $100/each.
by ClevrChico
Sat Apr 14, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 376
Views: 40009

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

I'd say higher end purchases for the kids. The fancy crib was barely used. Fancy carseats that we paid too much for. (I like our mainstream carseats better.) Kid items either seem to be destroyed in short order or not used. There's no need to go fancy on most this stuff. I gave away the good stuff t...
by ClevrChico
Fri Apr 13, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 9790

Re: Mid-40s in tech - how to pass off as acceptably young

Lots of good comments here. I'd add, lose any facial year to look younger. As mentioned before, make your resume age neutral. Keep it to one page and truncate all the legacy work off. The best thing you can do is stay current. If you're up to date I don't think anyone would care too much. I also had...
by ClevrChico
Mon Apr 09, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4390

Re: Handling ageism in tech

Management is probably a poor place to retreat into. The industry trend is to have small groups led by talented, hands-on technical leads. As far as handling it, I believe the best we can do is to keep our skills current. Also staying fit and taking care of yourself can make you seem younger. Simpli...
by ClevrChico
Sat Apr 07, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 12427

Re: Ivy school education. Is it worth it?

I'd love to have the network that an Ivy school would bring. But, if you're talking ROI for the average/typical student, the best ROI would probably be to get an associates degree at a community college. Land a paid internship during a summer and then get hired on full-time. From there, complete you...
by ClevrChico
Sat Apr 07, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 5161

Re: [When is going out to a restaurant worth it to you?]

- Usually when we're short on time or just exhausted from work. Ordering take-out on a mobile app and picking it up is fantastic. - When it's close to grocery day and we're nearly out of food. - When we have guests on short notice. I'd much prefer home cooking. Restaurants are expensive, the food is...
by ClevrChico
Fri Apr 06, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 3690

Re: Any hardworkers here who half-a** at work?

Life experience has taught me that things rarely work out exactly how one wants. But, I never take my livelihood for granted and opportunities do eventually happen. I'd look for a new job before I decided to just slack.
by ClevrChico
Wed Apr 04, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: State Muni Funds
Replies: 10
Views: 1174

Re: State Muni Funds

I live in a rural state, and I don't believe a muni bond fund even exists for the state with any company.
by ClevrChico
Mon Apr 02, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: New Microwave - what to select?
Replies: 11
Views: 848

Re: New Microwave - what to select?

Sharp makes microwave innards for Wolf and other high-end "manufacturers", who only add a door and then charge (a lot) extra for their own matching trim(s). So from a functionality standpoint, it doesn't matter which brand you buy. But looks and warranties do differ. Best deal is to buy a Sharp on ...
by ClevrChico
Sat Mar 31, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: auto/umbrella insurance agents
Replies: 7
Views: 707

Re: auto/umbrella insurance agents

If such a thing doesn't exist, why not go with a mutual insurance company?

https://en.wikipedia.org/wiki/Mutual_insurance
by ClevrChico
Fri Mar 30, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 59
Views: 5719

Re: Amica Increase

I've found it's very difficult to price compare quotes for combined auto/home/umbrella. It took me about a week with the Amica rep to dial in exactly what I wanted on a new policy. And, that was easier than my local agent who wanted to just put me into what everyone else normally buys. I know people...
by ClevrChico
Fri Mar 30, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 9031

Re: Resign from job or possible termination

I'd recommend continuing your job search while you're still working if possible. Already having a job gives you much better leverage to negotiate, and you can be choosy about finding a job you really love vs. settling.
by ClevrChico
Thu Mar 29, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 12685

Re: Healthy eaters -- is this grocery budget normal to you?

I'd guess you could still eat extremely well, but spend half as much by switching to Aldi. Asian grocers are also extremely price competitive and have great seafood and produce. You have high expenses because you're shopping at the most expensive stores possible. We're a family of four, and I believ...
by ClevrChico
Tue Mar 27, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 6122

Re: Concerns with Vanguard

While Vanguard's mistake left me scrambling to check my account at work this morning, I don't believe it's a big deal. Vanguard customer service was aware it was erroneous, which is important. I had a similar issue at Ally in the past, and customer service was not aware it was a mistake. Not good. :...
by ClevrChico
Sun Mar 25, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Google Drive & iCloud Drive
Replies: 11
Views: 690

Re: Google Drive & iCloud Drive

This battle has been fought and won, and the cloud is here to stay. My own occupation is related to the cloud, and I normally encounter some person on a weekly basis make comments that it's just a fad. Nope. The cloud is a godsend for critical data. I keep a copy on my laptop and another on an exter...
by ClevrChico
Thu Mar 22, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21717

Re: Anyone Deleting Facebook?

No way! It's how I keep in contact with worldwide friends and family. I've blocked anything that would violate a forum rule here, and life is good.
by ClevrChico
Thu Mar 22, 2018 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 10218

Re: Losing friends/family when wealthy

Once kids enter the picture, most everyone gets overwhelmed. I'm very happy if I get an hour of downtime a day.
by ClevrChico
Thu Mar 22, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Amtrak tickets - change in refund terms
Replies: 16
Views: 1057

Re: Amtrak tickets - change in refund terms

Amtrak tickets used to be treated nearly like cash. The ticket was a reservation for a seat, but you could use it in the future if there was room. Now it appears that's only available with a "flexible fare", which sounds like paying more for built in travel insurance.
by ClevrChico
Thu Mar 22, 2018 9:44 pm
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 13531

Re: Working till retirement is not a great plan

And it doesn't even have to be age discrimination. Industry disruption and automation can make your entire industry obsolete.
by ClevrChico
Tue Mar 20, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018
Replies: 105
Views: 11037

Re: HSA family max contribution lowered to $6850 for 2018

Many thanks to OP! :sharebeer I was able to reduce my 2018 HSA contribution at the MegaCorp benefits provider by $50, problem solved. It took all of five minutes with an online form. Both the HSA provider and HR had notices posted with "instructions to follow". Obviously it caught everyone by surpri...
by ClevrChico
Mon Mar 19, 2018 11:51 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 6444

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

I don' think I would feel comfortable spending that kind of money until maybe the 3-4m mark. I'm well aware that there is a huge number of factors that would be at play. Just wanted to get the discussion started and get your thoughts and opinions. :sharebeer Agree. This 2006 article quotes the aver...
by ClevrChico
Sat Mar 17, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 200
Views: 22608

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

One test is worth a thousand experts opinions. Have an oil sample tested ASAP. +1 to this. As a Honda owner, I've been very impressed how Honda Corporate has handled multiple recalls on my car. The local dealer experience is less than impressive. If you get a service advisor/manager that is sharp a...
by ClevrChico
Fri Mar 16, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Time/money trade-offs with work and life balance
Replies: 46
Views: 3569

Re: Time/money trade-offs with work and life balance

I only had seven vacation days and terrible holidays the first few years of my career. (This would be illegal in a lot of countries. :happy) After experiencing that, I value my time and work life balance highly. Seven vacation days was enough for a couple long weekends and the rest was basically to ...
by ClevrChico
Fri Mar 16, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: What are the jobs with the best medical insurance?
Replies: 51
Views: 3590

Re: What are the jobs with the best medical insurance?

MegaCorp has been the best for me. With their annual employer HSA contribution, a typical year is "free healthcare".
by ClevrChico
Thu Mar 15, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Tires on a 15 year old car....Replace or not?
Replies: 79
Views: 5122

Re: Tires on a 15 year old car....Replace or not?

We have a car of similar age that is just used locally. I'll be installing Wal-Mart Douglas tires on it it a few weeks. They have good reviews and are about half the cost of a name brand tire. (They're essentially generic GoodYear, still made in the USA.) A new cheap tire is better than an ancient t...
by ClevrChico
Tue Mar 13, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA Backdoor Roth - Getting double taxed
Replies: 10
Views: 1002

Re: FreeTaxUSA Backdoor Roth - Getting double taxed

I had this problem the first time I used FreeTaxUSA. Just keep going, and eventually the numbers turn out right. Same for me, it turned out fine. I was only taxed $1 on the dividends gained between the conversion. Ok, I'll just keep forging ahead or contact their support. This is my first year with...
by ClevrChico
Tue Mar 13, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA Backdoor Roth - Getting double taxed
Replies: 10
Views: 1002

Re: FreeTaxUSA Backdoor Roth - Getting double taxed

climber2020 wrote:
Tue Mar 13, 2018 6:59 am
I had this problem the first time I used FreeTaxUSA.

Just keep going, and eventually the numbers turn out right.
Same for me, it turned out fine. I was only taxed $1 on the dividends gained between the conversion.
by ClevrChico
Sun Mar 11, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 80
Views: 9092

Re: Can I take an 85+% pay cut for fun?

Have you thought about switching up MegaTech for a MegaCorp? I think you'd find the environment much less likely prone to burnout. MegaCorp doesn't mean boring necessarily, and it wouldn't be CrazyTown like MegaTech can be. You'd probably give up RSU's, but still maintain a good salary.
by ClevrChico
Sat Mar 10, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed for Renter offer
Replies: 19
Views: 2048

Re: Advice needed for Renter offer

As a prospective renter, one landlord would allow me to have a pet if I prepaid a full year's rent. I declined.
by ClevrChico
Mon Mar 05, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Donations to your enrolled public school
Replies: 106
Views: 5830

Re: Donations to your enrolled public school

I've never heard of this, and we're in a state with high ranking public schools. I thought we were doing pretty well with maxing out supply drive requirements and putting in $15 here and there in into the fundraisers. :-) State and local taxes are on the high side, but the schools are generally good...
by ClevrChico
Mon Mar 05, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to get spare car keys
Replies: 32
Views: 3995

Re: Cheapest way to get spare car keys

My gf at the time, now wife, made me always return my keys to the exact spot in the apartment. Haven't lost my keys since. A keyrack or simple basket works well. It saved her from having to participate in frequent key hunts. You may want to have an additional key made and give it to a close friend o...
by ClevrChico
Mon Mar 05, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Pickleball versus Tennis
Replies: 27
Views: 2636

Re: Pickleball versus Tennis

Our park has a tennis court with pickleball lines. Best of both worlds. I find pickleball to be an incredible workout.
by ClevrChico
Mon Mar 05, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Career Next Steps for a Software Developer?
Replies: 8
Views: 1248

Re: Advice on Career Next Steps for a Software Developer?

If you're considering a SaaS business, I recommend spending some hours here from someone that did it:

https://www.kalzumeus.com/

From the last update I'm aware of, he sold his businesses and was working a regular dev job. It's fascinating, detailed reading.
by ClevrChico
Mon Mar 05, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Another reason to steer clear of Bitcoin. As if we need another reason...
Replies: 47
Views: 6290

Re: Another reason to steer clear of Bitcoin. As if we need another reason...

I'd agree with OP on this one. This is a real risk. Even something as liquid as cash is serialized and can be tracked which can prevent crime. (DB Cooper never spent any of his randsom money.) Enthusiasts scorn those that flaunt their crypto wealth, such as luxury cars with BTC license plates, as it...
by ClevrChico
Sat Mar 03, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: 2014 Honda CR-V Certified
Replies: 10
Views: 743

Re: 2014 Honda CR-V Certified

I would ask for complete maintenance history (they probably have it) and have an indy mechanic look at it. It's also a pretty reliable car, so the CPO warranty just adds cost IMO. You could probably find one from a private party for 10-20% less. Given the way Honda's hold they value, plus the premi...
by ClevrChico
Sat Mar 03, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 18938

Re: What was your % pay raise?

blevine wrote:
Sat Mar 03, 2018 8:22 am
We got first raises in many years, varied per employee in my employer, but 2-4% was typical. Dying industry that this forum is helping to kill :-)
LOL, too funny. I think your industry is going to be fine unless financial literacy increases exponentially. :happy
by ClevrChico
Fri Mar 02, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 18938

Re: What was your % pay raise?

Outstanding year all around, good results, good review. 3-point-something. Inflation and some benefit changes likely mean I actually went backwards from last year. It looks okay on paper, though.
by ClevrChico
Wed Feb 28, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 146
Views: 9238

Re: How much cash do you keep at any time on checking?

$5k. Anything above gets invested in Vanguard. This has served me well for years.
by ClevrChico
Wed Feb 28, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Office conflict - How to deal?
Replies: 7
Views: 793

Re: Office conflict - How to deal?

Don't bite that hand that feeds you. I can't imagine throwing a supportive boss under the bus for the sake of someone else.
by ClevrChico
Sun Feb 25, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 5883

Re: 3 layers of roof. Pull my offer??

The house I grew up in had three layers. The third layer that the previous owner installed lasted twenty years. The only downside was that tear down cost more money when layer three wore out.
by ClevrChico
Sun Feb 25, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Pick up a part-time to get to FI faster or use that time to pursue my dream?
Replies: 11
Views: 1151

Re: Pick up a part-time to get to FI faster or use that time to pursue my dream?

Any second job/gig will be taxed at your highest marginal tax rate. Add self-employment tax if you're working as a 1099. You could be easily working near minimum wage at the PT jobs you mentioned, but paying nearly half in income taxes. It's totally dependent on your situation, but it's probably not...
by ClevrChico
Sat Feb 24, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Ethics of selling a used car
Replies: 54
Views: 4132

Re: Ethics of selling a used car

Some potential buyers will use your disclosures to beat you up on price/condition, even if you've already priced the car with the issues in mind. I'd state any disclosures in very general terms and sell "as is". This is from Craigslist, so other marketplaces may not be so terrible.
by ClevrChico
Sat Feb 24, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 5339

Re: Favorite socks?

Wal-Mart "Starter" brand crew socks in a large boys size. Super cheap and they hold up just as well as the fancy ones. Kids sizes priced cheaper than adult, and they fit well.
by ClevrChico
Sat Feb 24, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 11425

Re: How Far is too Far, Commuting?

I commuted to college, 45 minutes each way (in good road conditions) X 4 years. Winter storms could easy double that.

I decided to never do that again, and I average about ten minutes each way. I'd do anything possible to avoid a long commute.
by ClevrChico
Sat Feb 24, 2018 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a larger raise at yearly review?
Replies: 37
Views: 2511

Re: Should I ask for a larger raise at yearly review?

In summary, you were promoted at year two with an 8% increase, expecting a 3-5% annual increase, work 100% remote, and you want to ask for more money? It could be in very bad taste to ask for more, or maybe not. You'd have to know how you compare to other companies and your compa-ratio of your curre...