Search found 467 matches

by bogleblitz
Wed Oct 09, 2019 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Savings Rate drops to 1.8%
Replies: 43
Views: 6241

Re: Ally Savings Rate drops to 1.8%

still a good rate compared to local banks.
by bogleblitz
Sun Sep 01, 2019 3:06 am
Forum: Personal Finance (Not Investing)
Topic: Living in the Bay Area, got an offer in LA: negotiation help wanted
Replies: 15
Views: 1849

Re: Living in the Bay Area, got an offer in LA: negotiation help wanted

Bay area should pay around 15% more than LA. So I'm surprised you have not got an offer above 200k in Bay Area. I think if you keep searching, you should be able to get 200k in Bay Area. I'm not sure how many years of experience you have. LA or Bay Area is a personal choice. Bay area sililcon valley...
by bogleblitz
Fri Aug 23, 2019 2:16 am
Forum: Personal Finance (Not Investing)
Topic: Considering Move from Bay Area to LA ... What Salary to Target?
Replies: 6
Views: 1028

Re: Considering Move from Bay Area to LA ... What Salary to Target?

For software engineer, 150k - 200k. Companies in Venice, Santa Monica or West of LA pays more. East of LA pays less but better for family life and easier commute. Regarding grow your skillset, Bay Area is the best in the USA to grow your skillset. Nothing beats it. All the smartest software engineer...
by bogleblitz
Mon Apr 29, 2019 11:15 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13817

Re: out of network emergency visits. Huge bill!!!

Not related, but I once went to an IN network emergency room hospital with UnitedHealthCare. But the doctor seeing me was out of network????
The final bill was $630 or something like that, I thought I'll just pay $100 and that is it. I hate these in/out network stuff in emergency rooms.
by bogleblitz
Wed Apr 24, 2019 3:22 pm
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 5566

Re: How far would you commute?

I also work from home for 3 years and it is sad to see something like this happen. It means I could also face this issue in the future. It is also very hard to find another work from home job. I thought by now 2019, there are more and more work from home opportunities. It sad to see some companies a...
by bogleblitz
Tue Mar 12, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Buying a used car for LA
Replies: 25
Views: 1928

Re: Buying a used car for LA

No need for SUV. any used car is fine. be prepare for alot of traffic.
by bogleblitz
Mon Feb 25, 2019 2:34 am
Forum: Personal Consumer Issues
Topic: Our landline number was ported over to someone else!
Replies: 8
Views: 2119

Re: Our landline number was ported over to someone else!

This happened to my parents in 2011. My parents had the phone number for 30 years. I can memorize that number forever since childhood. Lost it due to some porting through some company I forgot. I could never get it back calling either companies. Calling the childhood phone number to see who will pic...
by bogleblitz
Fri Dec 21, 2018 5:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2126680

Re: U.S. stocks in free fall

last year 2017 was a around a 20% gain for most people.
This year 2018 will probably be a 10% loss.

Long term, most people should still be profitable. unless people only started investing this year.
by bogleblitz
Thu Nov 08, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: New Treadmill - Proposition 65 Warning Label
Replies: 22
Views: 3733

Re: New Treadmill - Proposition 65 Warning Label

Just stepping into California will get you cancer. Stay out of CA if you ever want to stay away from cancer, especially if you are pregnant.
by bogleblitz
Tue Nov 06, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7966

Re: Never thought of living in Bay Area but just got a call from Tesla

Is this a software engineering job? You mentioned about how great Tesla would be on your resume experience. I think Google, Apple, Facebook are better resume experience. I would move to Bay area for those bigger tech companies but not for Tesla. If you are a fan of Tesla, buy their cars. If you are ...
by bogleblitz
Mon Oct 29, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Tire rotation - low mileage car
Replies: 36
Views: 2060

Re: Tire rotation - low mileage car

Costco for me. i have low mileage too and I rotate once a year.

Although costco is free, I spend like 4 hours there just to rotate tires which I hate. They are a busy costco, i think all of them are.
by bogleblitz
Sun Oct 28, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Data Breach exposure (Credit Karma notification)
Replies: 9
Views: 1263

Re: Data Breach exposure (Credit Karma notification)

make sure your email is not hackable by using 2 factor authentication with a smartphone.

gmail is unhackable with a titan security key:
https://cloud.google.com/titan-security-key/
by bogleblitz
Sun Oct 21, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2932

Re: Do I need laptop software?

No, you do not need to buy laptop software. You can use google docs which is like microsoft word at https://docs.google.com
by bogleblitz
Tue Oct 16, 2018 3:11 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4585

Re: Relocation to California

I'm surprise by the amount of negative about LA. I work from home in LA so maybe that makes this place a heaven. Since the OP wife also works from home, I think it is a great move. Go for it, you only live once. in my humble opinion, LA is the best place to live. worst case, you just move back in a ...
by bogleblitz
Sat Oct 13, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2518
Views: 463840

Re: What are you up YTD? [Year To Date]

my return is negative for the year. -0.7 75% stock / 25% bond. 70% USA / 30 international

international is killing me.
by bogleblitz
Fri Oct 05, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5692

Re: Mr. Money Mustache is the BOMB!

the article made it to marketwatch https://www.marketwatch.com/story/mr-mo ... 2018-10-05

Looks like he writes for marketwatch too now? Also the bad language c*$% is in the marketwatch article as well.
by bogleblitz
Thu Sep 27, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 7788

Re: Got my new Iphone Xs

I got the Xs max for my wife and I. Great phone indeed.

however, I really don't see the difference between OLED and lcd screen. Therefore, I recommend frugal bogleheads to buy the Xr version coming out next month in October for only $750 instead of Xs $1000. Save yourself $250.
by bogleblitz
Mon Sep 24, 2018 1:13 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 17867

Re: iPhone XS Max

My wife and I bought the Xs max and got the deal with $700 off for buying 2. Although it is a great phone, I think it is not worth the premium $1100. I can't really tell which is the better screen Oled or lcd, when I put the iphone 8 plus next to the Xs max. Therefore, I think iphone Xr is a better ...
by bogleblitz
Wed Sep 12, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 17867

Re: iPhone XS Max

iphone 8 plus and Xs max are around the same size.

See the tech specs:
https://www.apple.com/iphone-xs/specs/

Xs max weighs 1 ounce more than 8plus.
by bogleblitz
Sat Sep 08, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2575

Re: Video Game Collection

I'm also a 41 year old gamer. I would sell them all. Regardless if they will go up or down in price.
Most of my games are all digital now.

I sold all mines when I got married and moved a few times.
by bogleblitz
Sat Sep 08, 2018 12:25 am
Forum: Personal Finance (Not Investing)
Topic: new homes being built next door, effect on value of my home?
Replies: 20
Views: 2209

Re: new homes being built next door, effect on value of my home?

I sold it to the developer next door that was building the new houses. Give it a try, I'm sure he would like to buy next door too. He even called me since my phone number was displayed in front of my rental house. the developer did not care what my house looked like, he was going to tear it down any...
by bogleblitz
Tue Aug 28, 2018 3:32 pm
Forum: Personal Investments
Topic: target date retirement funds or 3 fund portfolio
Replies: 12
Views: 1743

Re: target date retirement funds or 3 fund portfolio

I use target date. less errors. It also prevent me from doing stupid things like buy more US stocks, sell more international, sell more bonds, etc due to the monthly disaster news. i have both fidelity and vanguard. This is because I'm afraid one of them fidelity or vanguard might go out of business...
by bogleblitz
Tue Aug 28, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 13211

Re: How do you 7 figure guys organize multiple accounts?

I use both mint and personal capital mint for bank accounts, credit cards, mortgage, etc. Personal Capital for investment and 401k only. At one time, I managed it all in Mint. But then my total networth was going up and down 10k a day due to stock market. I wasn't sure if someone was stealing 10k fr...
by bogleblitz
Fri Aug 24, 2018 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 23597

Re: Decent compensation to move to Bay Area CA?

salary is a bit low. regarding your RSU: 20k over 4 years? so you get 5k each year? 20k each year. So 80k worth of RSU over 4 years? As you are not used to the Bay Area salary, RSU is low. You can get 50k worth of RSU each year. Some people even get 100k RSU each year, etc. Since FANG stock has doub...
by bogleblitz
Sat Aug 18, 2018 1:38 am
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 17803

Re: Remind me (again) how real estate isn't a GREAT investment?

Real life examples from me: - paid contractor thousands to repair/upgrade the house but they ran away with the money. - pipes get frozen in NorthEast, tenants have no water to use. - No heat in the winter time in 0 degrees weather, get called late at night. - toilet gets stuck, basement is flooded w...
by bogleblitz
Thu Aug 16, 2018 1:32 am
Forum: Personal Consumer Issues
Topic: LA weather in April - Planning Disney
Replies: 5
Views: 504

Re: LA weather in April - Planning Disney

very good weather.

The only bad time for LA Disney is summer time since it is too hot.
by bogleblitz
Thu Aug 09, 2018 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Moving to LA - Tips Wanted
Replies: 26
Views: 2332

Re: Moving to LA - Tips Wanted

2) What do you wish you'd known when you moved there? a. Is the cost of living more than expected? What else surprised you? b. What frugal tips do you have for a newcomer to the area? 2. a. cost of living is exactly the same as Boston, where I moved from. Nothing surprising. b. Frugal tip: Eat In-N...
by bogleblitz
Sun Aug 05, 2018 4:48 pm
Forum: Personal Investments
Topic: Apple Stock
Replies: 13
Views: 1952

Re: Apple Stock

No one knows anything. We all don't know if apple stock will go up or down in the future. Boglehead philosophy is that buying individual stocks should be your play money. Like going to the casino. If the apple stock is 5% of your total net worth, go ahead and keep it. Otherwise sell apple and buy an...
by bogleblitz
Thu Jul 12, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Money from LLC to Personal Bank Account
Replies: 5
Views: 2170

Re: Transferring Money from LLC to Personal Bank Account

For large amount, write a check. For small amount, you can do online transfer. There are no tax consequences.
It is as simple as open a ally account.
by bogleblitz
Thu Jul 12, 2018 1:30 am
Forum: Personal Investments
Topic: Personal Capital accounts problems...just me? good alternatives?
Replies: 9
Views: 2061

Re: Personal Capital accounts problems...just me? good alternatives?

for accounts not syncing, delete them and add them back. You can also login to the real fidelity 401k site and try changing passwords.

I think personal capital, mint, and all others uses the same sync technology in the back.
by bogleblitz
Wed Jul 04, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating New Job Offer
Replies: 24
Views: 1919

Re: Evaluating New Job Offer

I guess I'm lucky to have best benefit of both of your jobs.

I would stick with job #1 with latest technology and keep looking.
by bogleblitz
Wed Apr 18, 2018 2:51 am
Forum: Investing - Theory, News & General
Topic: Tencent now largest non-US stock
Replies: 40
Views: 6504

Re: Tencent now largest non-US stock

They should change their name from Tencent to TenBillion.

I hate using Wechat but find myself reinstalling it everytime I need to talk to certain people.
by bogleblitz
Wed Apr 18, 2018 2:43 am
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 27141

Re: Is Los Angeles a good place long term to live financially?

1. Get an MBA at a good business school in the area (YES!) 2. Find a good paying job in LA after graduating (Yes, in this good economy) 3. Find a beautiful woman to marry who has a high net worth, and hopefully being in a big city like LA I’d find someone (MAYBE) 4. Buy a very big house (YES, if you...
by bogleblitz
Tue Mar 27, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Need wireless earbuds recommendations
Replies: 19
Views: 2231

Re: Need wireless earbuds recommendations

my wife and I both have airpods so we like them.
by bogleblitz
Sun Mar 18, 2018 1:01 pm
Forum: Personal Investments
Topic: Should I continue to participate in my Megacorp ESPP?
Replies: 11
Views: 1846

Re: Should I continue to participate in my Megacorp ESPP?

I think the average opinion is ESPP is always a good deal for free 10% money. Remember to sell right away. There should not be much gains if you sell right away. Or if the megacorp stock price stayed around the same price all year. ESPP is always a tricky when doing taxes. It is hard to see what you...
by bogleblitz
Sun Feb 11, 2018 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 8946

Re: Live / work in California - Technology Career

This report is useful for you and the report came out 2 days ago.

https://www.linkedin.com/pulse/announci ... hul-patel/

Report says Los angeles has the highest salary after adjusting for cost of living for California only.
by bogleblitz
Sat Feb 10, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Google account stolen and I can't recover
Replies: 13
Views: 1795

Re: Google account stolen and I can't recover

usually gmail accounts get deleted after 1 year of not being used.

So your account expired and got deleted. Someone else start using it.
by bogleblitz
Fri Feb 09, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Discuss Starting Time when You Get a Job Offer
Replies: 29
Views: 2897

Re: How Do You Discuss Starting Time when You Get a Job Offer

I'm in software engineering department. I worked at 4 different places over 10 years. I have never talked about starting time or leaving time with my bosses. My bosses never mentioned them. Work time was always assumed. I have seen people come in at 11am, take 2 hours lunches, leave at 4pm. Those pe...
by bogleblitz
Fri Feb 09, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Not happy where we live
Replies: 26
Views: 3811

Re: Not happy where we live

i would move back to florida. start looking.

I moved from Massachusetts to California 3 years ago and love it. I can understand people who feels lonely in a new city.
by bogleblitz
Fri Feb 09, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can the real estate market crash if there's no inventory?
Replies: 15
Views: 1795

Re: Can the real estate market crash if there's no inventory?

No, a real estate market does not crash because of no inventory.
by bogleblitz
Thu Feb 08, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: S&P 1550
Replies: 22
Views: 3413

Re: S&P 1550

1550 was around the time I started reading investment books, found this website and created an account. That was over 5 years ago.

It was a great 5 years.
by bogleblitz
Thu Feb 08, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2126680

Re: U.S. stocks in freefall

Ah those closing minutes were entertaining to watch! Oh Dow, just a few more points to get from around down 880 to a round 900. You can do it Dow! Oh wait, you managed to pass -1000 - way to over achieve! Ah nothing like a "Dow loses 1000 points" for a financial journalist. Love those round but poi...
by bogleblitz
Wed Feb 07, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 7099

Re: What time do you go to work?

10am - 5pm. same time as my boss.
by bogleblitz
Wed Feb 07, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: How to stop mail for former occupants?
Replies: 103
Views: 7990

Re: How to stop mail for former occupants?

I saved a whole box worth and manually delivered it to the person. Some of the mail was junk but some were also important.

I know where he lives so I drove up and explain to him that he should forward his mail. His bank accounts were about to be frozen by IRS and he wasn't getting the mails.
by bogleblitz
Mon Feb 05, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2126680

Re: U.S. stocks in freefall

I saw a 1.5% drop today and there was a smile on my face.

I was actually a bit worried that the market has gone up too much in January. Now we are back to the beginning of January. Time to go back to sleep.
by bogleblitz
Fri Feb 02, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: VPN for account security
Replies: 12
Views: 2240

Re: VPN for account security

The business VPN does not enhance security of your other home computers, ipads, and iphones. The business VPN does not decrease the chance of someone hacking into your vanguard account.

Using 2 factor auth, password manager and changing password regularly will greatly help in preventing hacking.
by bogleblitz
Mon Jan 22, 2018 6:37 pm
Forum: Personal Investments
Topic: phone call with Fidelity retirement relationship manager
Replies: 5
Views: 1202

phone call with Fidelity retirement relationship manager

Did anyone ever get a phone call from fidelity retirement relationship manager about their 401k? Are they reliable or just trying to sell me stuff? They recommend me to see a fidelity financial advisor in a nearby local office. Did my 401k portfolio start to get big enough for them to call me yearly?
by bogleblitz
Sat Jan 20, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: What's your annual cost of living (expenses)?
Replies: 40
Views: 4771

Re: What's your annual cost of living (expenses)?

Married with 1 kid - HCOL - Los angeles

Annually should be around 70k per year. ( like do you subtract the principal amount from your mortgage ? )

Last year 2017, Mint.com said I spent $166,000 (60k in house renovations).