Search found 418 matches

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: 2989

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).
by bogleblitz
Sat Jan 20, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs CD/download
Replies: 11
Views: 1007

Re: Turbotax Online vs CD/download

I've used both. I like the CD version more. I get to save a version of my tax. Then I can modify my taxes in different ways, and then jump back to a previous version of my taxes if I messed up. Maybe there is a way to do it online but I don't know how. The benefit of online is everything is online. ...
by bogleblitz
Wed Jan 17, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 46
Views: 4946

Re: Friend Got Laid Off - Advice Needed

I am puzzled when people say the cloud is making software engineering obsolete. The unemployment in Colorado for high tech is right around 2 to 3%. There are a ton of jobs if you are able to sling code. Layoffs suck. That being said, $100K is not a huge sum from a salary perspective and he can very...
by bogleblitz
Fri Jan 05, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4015

Re: Oil filled space heaters

i like them because they are silent. while all others heaters i tried are noisy.
by bogleblitz
Thu Jan 04, 2018 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Smart home and new home security technology
Replies: 5
Views: 569

Re: Smart home and new home security technology

I heard bad things about ADT, where you will be stuck in a 2 year contract forever. I have the arlo security camera and it is pretty decent. I have never heard of Kuna or Vivint so I don't recommend them. I'm a fan of the Nest thermostats, nest cameras, and nest security system. I only have the nest...
by bogleblitz
Wed Jan 03, 2018 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Would your 401k bond fund ever be the one that does not have lowest ER offered?
Replies: 4
Views: 343

Re: Would your 401k bond fund ever be the one that does not have lowest ER offered?

no one will know which will perform better.

I was in a similar situation for my 401k. I picked both. I did 50% pimco and 50% index bond.
by bogleblitz
Wed Jan 03, 2018 12:58 am
Forum: Investing - Help with Personal Investments
Topic: Investment property in Boston
Replies: 8
Views: 798

Re: Investment property in Boston

i have an 3 family investment property in boston. I find it a very big headache. I hate dealing with tenants. My wife loves being a landlord and dealing with tenants. This week is the coldest ever in boston. I don't like dealing with snow shovel, and fixing broken heats even though I pay contractors...
by bogleblitz
Wed Jan 03, 2018 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Do you eventually get accustomed to your higher balances?
Replies: 47
Views: 6757

Re: Do you eventually get accustomed to your higher balances?

the good news is the market has been good the past 7 years. last year 2017 was a 20% gain. so even if market drops 20%, I only lost last years profit.
by bogleblitz
Thu Dec 07, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: New Chromebook user, loving it, quick question
Replies: 14
Views: 1577

Re: New Chromebook user, loving it, quick question

I used chromebook, windows, mac. I agree mac notepad is great.

Everything already mentioned (google keep, google doc, evernote) works great. I'm using all 3 for various reasons.
by bogleblitz
Thu Dec 07, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6732

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

When was your last job change? It is time to change to a different company to get a higher salary. At 33 years old with 13 years, you should getting the maximum amount in IT for your field. Your last job hop, you only gain very little in salary. You can change jobs every 2-3 years. Next time you are...
by bogleblitz
Sat Nov 18, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Smoothing out a Property Tax bill
Replies: 13
Views: 847

Re: Smoothing out a Property Tax bill

Where are you trying to do this? In an excel spreedsheet? in Mint.com? etc?

mines is part of the mortgage so that makes it abit easier.
by bogleblitz
Mon Oct 30, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: we bought a house - are we housepoor now?
Replies: 195
Views: 10155

Re: we bought a house - are we housepoor now?

I'm also in tech with similar salary, mortgage and networth. I'm like a clone of you.

We are fine. Enjoy the house.
by bogleblitz
Sun Oct 22, 2017 1:59 am
Forum: Investing - Theory, News & General
Topic: Investing videos in Chinese (Cantonese)
Replies: 4
Views: 486

Re: Investing videos in Chinese (Cantonese)

Thanks for the links. I listen to chinese radio am1430 in Southern California and it's always confuses me when they say Dow, S&P 500, Nasdaq in chinese.
by bogleblitz
Tue Oct 10, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 4266

Re: Wifi Thermostat

i have nest and i like it.

any of the other wifi thermostat would work fine as I heard good things about all of them.
by bogleblitz
Tue Oct 10, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 57
Views: 5189

Re: WiFi

as others mention. wifi extender is not good. you have to switch between the 2 wifi which causes headaches.

I use netgear orbi mesh wifi. Any of the mesh wifi mentioned in this thread is good as well.
by bogleblitz
Mon Oct 09, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4606

Re: 2 factor authentication - What if something happens to you?

If I die, then my spouse gets all the money from my vanguard account. She does not need to use 2 factor authentication. My spouse needs to provide vanguard with my death certificate.

If I go missing, my spouse does not need to touch my vanguard account. Buy and hold forever until I die.
by bogleblitz
Mon Oct 02, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5935

Re: Would you take a pay cut to work from home?

Yes, I would take a pay cut. Luckily, I got a salary increase instead. However, work from home is not as great as I thought it will be. I think work from home 3 days a week will be ideal instead of full time work from home. I miss the real human interaction instead of everything over skype, email, o...
by bogleblitz
Tue Sep 19, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 5622

Re: Getting (young) kids interested in coding

the coding classes for 6 years old require very little reading or dont need to read at all. See example below https://studio.code.org/s/coursea/stage/4/puzzle/2 It is fun for the kids. It is more like a video game than actual coding. I do understand parents who don't want their kids to touch the ipa...
by bogleblitz
Tue Sep 19, 2017 5:22 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 5097

Re: Costco vs sams club vs neither.

I have both and find them equal. I would go to the closer one to my house.

So I'm going to let the one which is further away expire.
by bogleblitz
Mon Sep 18, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 5622

Re: Getting (young) kids interested in coding

Our school is teaching kids to code in first grade ( 6 years old ) using these 2 websites:

https://code.org/
https://scratch.mit.edu/
by bogleblitz
Sun Sep 17, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Free credit monitoring for AAA members
Replies: 16
Views: 2043

Re: Free credit monitoring for AAA members

I used aaa.com free credit monitoring while wife was using creditkarma.com.

In my opinion, both are exactly the same. I got email from both when a credit card was open. I got an email from both when a mortgage company checked on my credit.
by bogleblitz
Sun Sep 17, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54424

Re: what to do about the Equifax security breach

actively monitor your credit to see if anyone use your social security to open a credit card, etc. You can do this for free. Equifax provides 1 year free monitoring, creditkarma.com provides it for free, aaa.com members get free credit monitoring, and many more. In this digital age, even before equi...
by bogleblitz
Thu Sep 07, 2017 12:31 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 27042

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

modifying my sports car, changing muffler, belt, pulley, lowering the car, wheels, etc. Then I dated my girlfriend/now wife. She hated the car and don't know how to drive stick shift. so I sold it.

massage chair.
by bogleblitz
Wed Sep 06, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 6204

Re: What is the main purpose of holding your current job?

2. I do my job to make a living, no more no less.

Work from home computer programmer. No commute is great. No more office cubical or people looking over your shoulder. No need to pretend to be busy
by bogleblitz
Sat Aug 26, 2017 2:51 am
Forum: Personal Finance (Not Investing)
Topic: IRS CP2000 Tax Bill Letter - Please Help
Replies: 32
Views: 2395

Re: IRS CP2000 Tax Bill Letter - Please Help

I also received a CP2000 tax letter this week regarding 2015 tax.

It is related to unemployment money I didn't file. I owe like $700 and I paid it.
by bogleblitz
Wed Aug 09, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 3035

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

I've been gaming on a laptop for 10plus years. So I choose the laptop route.
Laptops are twice as expensive as desktops but I still choose laptop.
by bogleblitz
Sat Jul 08, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 8210

Re: Shopping for first bike since I was a kid

What is wrong with $99 - $200 bikes at target , Walmart or Kmart? I've been buying those my whole life and no issues with them.
by bogleblitz
Fri Jul 07, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 192
Views: 14555

Re: Seeking advice on 1.2m (now 900K) house purchase

You could move to one of those places and with your current net worth live like a QUEEN. I mean buy a MANSION for cash and never have a single financial care for life. My own opinion only: living alone in a Mansion can be quite boring. I didn't feel like a King/Queen but felt loneliness in a 3000+ ...
by bogleblitz
Fri Jul 07, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 192
Views: 14555

Re: Seeking advice on 1.2m (now 900K) house purchase

I'm like a clone of the OP. Same salary, same age, same net assets.

I bought last year a house about 1 million. 400k down payment and took out a 600k mortgage.
I'm doing fine and have positive cash flow. no regrets.
by bogleblitz
Thu Jun 29, 2017 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - deposit limit exceeded by home closing check
Replies: 24
Views: 3327

Re: Ally Bank - deposit limit exceeded by home closing check

I could never have an online bank as my only bank. i have ally too and I have a local bank.

local banks for large check deposits, money order deposits, cash deposits, cash withdraws, etc.
by bogleblitz
Wed Jun 28, 2017 2:32 am
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 9904

Re: Middle age job blues

a similar thread from a year ago:

viewtopic.php?t=199157
by bogleblitz
Tue Jun 27, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 9904

Re: Middle age job blues

This post is scary. Are there any positive stories from people in similar situation? I don't know what a positive story would look like. But something like, I never got laid off, organizations considered me a real asset over younglings, I found many employers willing to hire me, I found so many oth...
by bogleblitz
Tue Jun 27, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 9904

Re: Middle age job blues

I'm 40 and already feel old for programming. I think changing jobs would be my recommendation. It is good idea to change every 3-4 years and not be in the same company for more than 6+ years. Big companies like Oracle, Dell, Raytheon are fine with with older people. Startups, facebook, google hire m...
by bogleblitz
Wed May 17, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 7643

Re: Convince me to get back into stocks!

I recommend doing it slowly. Like convert 10% into stocks every month. or convert 10% into stocks every 3 months.

until you get to your desire allocation 75% stock/ 25% cash or bonds would be pretty safe for a 27 year old.
by bogleblitz
Sat Apr 15, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Property Tax Late Penalty
Replies: 3
Views: 503

Re: Property Tax Late Penalty

I think you had many months ahead of time to pay. Also tax payments can be paid automatically online through the city or online banks. I myself have paid similar late payments in the past and never talked to anyone. Feel free to go to tax collector office and tell them your situation. doesn't hurt.
by bogleblitz
Sun Apr 09, 2017 1:23 am
Forum: Personal Finance (Not Investing)
Topic: How do I know if I am filing my taxes correctly?
Replies: 39
Views: 3747

Re: How do I know if I am filing my taxes correctly?

I missed one of my unemployment forms and the state of Massachusetts automatically added the missing form. automatically change the state refund amount and mailed me the new lower amount refund check. In past years, I was audited for 2 errors. 1. the missing 1099-INT i think was less than $30. They ...
by bogleblitz
Mon Mar 06, 2017 7:42 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 116
Views: 11688

Re: Did you buy SNAP?

The 20s year old of myself would probably buy it. Now I only do index funds.
by bogleblitz
Sat Mar 04, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: senior sw engineer pay in boston area.How does mine stack up?
Replies: 16
Views: 3098

Re: senior sw engineer pay in boston area.How does mine stack up?

That is a very good high end salary. Congrats.

Paysa.com is also a very good website to view and compare salary.
by bogleblitz
Sat Feb 25, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Bad to immediately sell vested RSUs due to possible stat arb?
Replies: 10
Views: 1206

Re: Bad to immediately sell vested RSUs due to possible stat arb?

Sell it right away.
The employee sales of vested RSUs as a portion of daily volume is just too small to make a difference.

Now, if you are the president, CEO of the company. Then selling all your shares will make a difference.
by bogleblitz
Tue Feb 21, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Stand Up Desk
Replies: 29
Views: 2669

Re: Stand Up Desk

In the office, I seen a colleague used a standup desk. The trick that worked for him was to use a very high chair, like a bar stool chair. So wether standing or sitting, the height of the standup desk remain the same. Otherwise he said it was too much of a hassle to adjust the desk up everytime to s...
by bogleblitz
Tue Feb 21, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Stand Up Desk
Replies: 29
Views: 2669

Re: Stand Up Desk

This thread made me stand up on my standup desk.

I have an adjustable and I think I sit 90% of the time. I have the Ikea desk http://www.ikea.com/us/en/catalog/products/S19022530/


My goal is to stand half the time and sit half the time. I work at home.
by bogleblitz
Sat Feb 18, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Is the free AAA identity theft protection a good idea, or is there a catch?
Replies: 7
Views: 1276

Re: Is the free AAA identity theft protection a good idea, or is there a catch?

I use it. There is no catch.

For people who want free and doesn't have aaa, creditkarma.com is also good.
by bogleblitz
Mon Feb 13, 2017 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on housing crash
Replies: 60
Views: 4078

Re: BH thoughts on housing crash

Nobody knows when the next housing crash is coming. Don't believe the realtors or anyone in the world who tells you a crash is coming. A crash or no crash should not impact your primary resident. I recommend saving money and stay at the current location with a 5 year old. I would wait until the chil...
by bogleblitz
Mon Feb 13, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Is 130k a good salary in IT?.
Replies: 40
Views: 7872

Re: Is 130k a good salary in IT?.

dumb question:
Is someone working in IT the same as a software engineer or software developer?
by bogleblitz
Mon Feb 13, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: S&P up over 20% in the last 12 months
Replies: 19
Views: 2143

Re: S&P up over 20% in the last 12 months

last year, around this time, I worried that we were at a peak and placed some extra money in cash.

I kind of regretted it now. I think having something automated like the 401k is great and not think about it.
by bogleblitz
Sat Feb 11, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: What happens to company 's profit?
Replies: 11
Views: 1500

Re: What happens to company 's profit?

This is a very good question.

Using apple.com as an example. Apple makes lots of money on iPhones every year. I think last I heard, Apple is sitting on $216 billion cash in the bank. I wonder if apple gives out dividends or do some buybacks.
by bogleblitz
Thu Feb 09, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason not to do a backdoor Roth on non-deductible tIRA money?
Replies: 9
Views: 798

Re: Any reason not to do a backdoor Roth on non-deductible tIRA money?

I did a backdoor roth for 3 years but now I stop doing any more backdoor roth. These are my personal reasons: 1. My roth and taxable vanguard was zero dollars when I first start. Now my roth is about $20k and taxable vanguard is $300k. I just feel roth account is too small and not worth the hassle. ...
by bogleblitz
Tue Jan 24, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 12931

Re: Best Places to Live in US?

Since you are already living in CA, I would recommend Los Angeles. Los Angeles has hollywood, lots of famous actors, nice weather, palm trees, great food, second largest city in USA, and lots of job opportunities. The largest city in USA is new york but it snows there. So I recommend second largest ...
by bogleblitz
Sat Dec 31, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help Calculating My Return for 2016
Replies: 8
Views: 780

Re: Help Calculating My Return for 2016

The best way to find the 2016 return on Vanguard website is wait until Jan 2 2017 or a few days later. So just wait a couple days. Then click the 1 year return and it should show a return percentage from 01/2016-12/2016. You can do it right now but the website will not give you a "Rate of Return" pe...