Search found 149 matches

by kiwi123
Mon Nov 23, 2020 1:48 am
Forum: Personal Consumer Issues
Topic: Looking for a knife set
Replies: 99
Views: 6656

Re: Looking for a knife set

Go to SurLaTable and try a bunch of knives out. I've been using the Victorinox fibrox knives for years and every time i get the urge to go fancy, when i try the more expensive knives they don't feel as good. This include the fancy Bob Kramer knives - they're very good looking but didnt feel as good...
by kiwi123
Mon Nov 23, 2020 1:39 am
Forum: Personal Consumer Issues
Topic: Looking for a knife set
Replies: 99
Views: 6656

Re: Looking for a knife set

Go to SurLaTable and try a bunch of knives out. I've been using the Victorinox fibrox knives for years and every time i get the urge to go fancy, when i try the more expensive knives they don't feel as good. This include the fancy Bob Kramer knives - they're very good looking but didnt feel as good...
by kiwi123
Mon Nov 23, 2020 1:32 am
Forum: Personal Consumer Issues
Topic: Salvage vehicle
Replies: 10
Views: 858

Re: Salvage vehicle

I would take a look at the auction report to see the photos before it was fixed up... without knowing how bad it looked before, and what was fixed, i would pass... the dealer is unlikely to share this with you though. I've seen too many total loss/salvage vehicles be sold and then have a LOT of issu...
by kiwi123
Sun Nov 15, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Looking for a knife set
Replies: 99
Views: 6656

Re: Looking for a knife set

Go to SurLaTable and try a bunch of knives out. I've been using the Victorinox fibrox knives for years and every time i get the urge to go fancy, when i try the more expensive knives they don't feel as good. This include the fancy Bob Kramer knives - they're very good looking but didnt feel as good ...
by kiwi123
Sat Nov 14, 2020 3:25 am
Forum: Personal Finance (Not Investing)
Topic: New Car Issue
Replies: 19
Views: 2323

Re: New Car Issue

I used to work in this area for a Manufacturer... Research the lemon law process in your state. It defines your rights as a consumer regarding the manufacturer's responsibility to fix a significant defect . You may need to make the arguement that water leakage and condensation is a significant defec...
by kiwi123
Thu Nov 12, 2020 9:47 pm
Forum: Personal Consumer Issues
Topic: Ski Mask Recommendations
Replies: 19
Views: 1160

Re: Ski Mask Recommendations

Most resorts are asking that you either wear a proper face mask or your gaiter needs to be "2 layers" of fabric. Many neck gaiters are a single layer of fabric. That also means bandanas etc. that many folks used in summer, or the neoprene ski masks with little holes in them will not to goo...
by kiwi123
Thu Nov 12, 2020 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Initial RSU grant fully vested after 4 years, total comp going forward is less or should I expect an equivalent refresh
Replies: 14
Views: 1154

Re: Initial RSU grant fully vested after 4 years, total comp going forward is less or should I expect an equivalent refr

The only big grants i got were tied to (i) starting the new job, or (ii) promotions. Everything else was small by comparison. Talk with your boss, explain your motivation is strongly tied to stock grants and see what the response is. Expect the answer to be "it's company policy to only do small...
by kiwi123
Tue Nov 03, 2020 7:57 pm
Forum: Personal Investments
Topic: 1.3M at 30 - what would you do?
Replies: 89
Views: 9629

Re: 1.3M at 30 - what would you do?

Re dating with more cash than the other person... in my 30's i was pretty immature and protective of my assets. As I've gotten older (and also met someone that has the same view on money as i do e.g. dont waste it but do spend it on things that you enjoy), i've naturally become more generous and al...
by kiwi123
Sun Nov 01, 2020 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Friday Lunch Talks
Replies: 11
Views: 1610

Re: Friday Lunch Talks

Sounds great - doesn't happen often that folks get to either hear from a mentor and/or spend some time as a group discussing things that have the potential to make them better 'humans'. - Breaking the Consumption Habit (and increasing savings for retirement) - Being a More Effective Communicator (fo...
by kiwi123
Sun Nov 01, 2020 2:17 am
Forum: Personal Investments
Topic: 1.3M at 30 - what would you do?
Replies: 89
Views: 9629

Re: 1.3M at 30 - what would you do?

A few random thoughts based on your comments/questions... High level, you can do whatever you feel like doing. It's good you've already learnt that you gravitate towards what you're actually being paid to do e.g. you get to do what you like AND get paid to do it (vs. a hobby). It took me about a yea...
by kiwi123
Sat Oct 24, 2020 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: VRBO Owner Question
Replies: 3
Views: 669

Re: VRBO Owner Question

Use 50% occupancy as a better occupancy rate for your calculations. VRBO/realtors/property management companies will oversell the expected occupancy rates. e.g. if you use it 50 days, then your place is available for ~300 days, so expect 150 days rental. Adjust if the area is highly seasonal.
by kiwi123
Thu Oct 22, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Help me plan a family trip to Italy - Two Weeks
Replies: 67
Views: 3778

Re: Help me plan a family trip to Italy - Two Weeks

There's so much to see in any area that I would avoid "full day" additional trips. As I've spent more time in Europe I've learned that doing less is better for me even though its tempting to add more and more cool extra stuff. Your original plan of Rome/Venice/Florence and Tuscany looked g...
by kiwi123
Wed Oct 21, 2020 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Software Developers - should I look for a new job?
Replies: 16
Views: 1703

Re: Software Developers - should I look for a new job?

Another option could be adding a second part-time job (10-15 hours per week) and/or picking up project based work.
by kiwi123
Wed Oct 21, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 154
Views: 13260

Re: Where do you buy coffee beans?

intelligensia
by kiwi123
Mon Oct 19, 2020 11:09 pm
Forum: Personal Consumer Issues
Topic: Highlander Hybrid 2020 or 2021
Replies: 14
Views: 1608

Re: Highlander Hybrid 2020 or 2021

I’m thinking of foregoing the Highlander for the 2021 Venza electric/gas hybrid. Any thoughts? The highlander hybrid and venza hybrid are similar (or the same) powertrains. The Venza is quite a lot smaller and gets about 10% better mpg. The Highlander Hybrid is bigger and about 10% less fuel effici...
by kiwi123
Mon Oct 19, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Should I get a ping pong table?
Replies: 75
Views: 3768

Re: Should I get a ping pong table?

Ping pong all the way... i fondly remember the epic battles i had against dad, my brother, friends, etc. And way better hand-eye co-ordination and athletic development for kids vs. the other suggestions of air hockey/pool. I did start to get back into it in my 40s against my brother but quit pretty ...
by kiwi123
Sun Oct 18, 2020 4:00 pm
Forum: Personal Consumer Issues
Topic: Highlander Hybrid 2020 or 2021
Replies: 14
Views: 1608

Re: Highlander Hybrid 2020 or 2021

Thanks for the advice. We will go with 2021. Do you think the Platinum or Limited trims are worth it or is XLE good enough? This will be used as a family car. Thanks. If you like the nicer materials and bells and whistles, then yes. But some of the layout/display screen etc. is different so check i...
by kiwi123
Sun Oct 18, 2020 3:58 pm
Forum: Personal Consumer Issues
Topic: Highlander Hybrid 2020 or 2021
Replies: 14
Views: 1608

Re: Highlander Hybrid 2020 or 2021

1) when will 2021 be available? 2) can one justify paying the premium for a hybrid over a conventional V6 engine from dollar and cents standpoint. Asking because plan on replacing Acura TDX with Highlander. 1) 2021 is out now. 2) The highlander hybrid is priced close enough to the non-hybrid that i...
by kiwi123
Tue Oct 06, 2020 4:05 pm
Forum: Personal Investments
Topic: IPO windfall advice
Replies: 36
Views: 3934

Re: IPO windfall advice

OP - as you can see there is enough free advice floating around to be dangerous if you don't engage a competent professional to assist you as soon as possible :-) Most importantly a CPA... you should be able to get 2-3 good recommendations for someone in your area and do a free 30-60 minute consult ...
by kiwi123
Tue Oct 06, 2020 1:43 am
Forum: Personal Investments
Topic: IPO windfall advice
Replies: 36
Views: 3934

Re: IPO windfall advice

2. At a minimum, as soon as lockup is over, sell enough to cover ALL your taxes and enough that no matter what happens you've won the game. For example, if your amount post-tax is $3M then you want to sell $7M asap... expect 40%+ to go to taxes. If OP has done an 83(b) early exercise at time of gra...
by kiwi123
Tue Oct 06, 2020 1:26 am
Forum: Personal Consumer Issues
Topic: New 3-row Luxury SUV: Volvo XC 90 vs Mercedes GLE 350
Replies: 19
Views: 1712

Re: New 3-row Luxury SUV: Volvo XC 90 vs Mercedes GLE 350

Between the Volvo and MB, it sounds like the MB is the better fit (with the exception of service/warranty and 3rd row). You rate the driving and interior in the MB highest which are probably the 2 mot important factors for day-to-day enjoyment. However i would suggest leasing instead of buying. Leas...
by kiwi123
Tue Oct 06, 2020 1:12 am
Forum: Personal Consumer Issues
Topic: Buying a Tesla
Replies: 84
Views: 7603

Re: Buying a Tesla

Congrats on your first post to bogleheads and welcome! Always good to start with a "should i buy a tesla" post :-)
by kiwi123
Tue Oct 06, 2020 1:07 am
Forum: Investing - Theory, News & General
Topic: Explain those "Space Force genuine legal $2 bills"
Replies: 25
Views: 3596

Re: Explain those "Space Force genuine legal $2 bills"

Oooh, they have the $2 space bill "sealed" in a handsome folio to "preserve" its value! Sucks if you're taken in by this scam... "Each is a Genuine, Authentic, U.S. Legal Tender $2 Bill which has been enhanced by us with beautiful colorized images celebrating our space prowe...
by kiwi123
Tue Oct 06, 2020 12:57 am
Forum: Personal Consumer Issues
Topic: Starting a Vineyard
Replies: 30
Views: 2922

Re: Starting a Vineyard

Depends on your definition of a vineyard... is it an agricultural business that will sell grapes to winemakers? Or do you intend to grow grapes and make wine. Or, is it a multi revenue stream destination? Everyone i know in the industry (doing all 3 of the above) either started with many multi-mill...
by kiwi123
Tue Oct 06, 2020 12:40 am
Forum: Personal Investments
Topic: IPO windfall advice
Replies: 36
Views: 3934

Re: IPO windfall advice

bampf wrote: Tue Oct 06, 2020 12:11 am Not gonna beat around the bush on this one. Sell. Now. As much as you can as fast as you can. You won. Take the money off the table. I swear the upside from 14MM isn't going to change your life. The downside absolutely will.
What he said! (times infinity!)
by kiwi123
Tue Oct 06, 2020 12:39 am
Forum: Personal Investments
Topic: IPO windfall advice
Replies: 36
Views: 3934

Re: IPO windfall advice

Very nice. If you play it safe you've won the game as soon as lockup is over :-) 1. See a good accountant asap with experience in handling option sales and taxes. Get an accurate estimate of your taxes due. Note: don't get sucked into holding for 12 months to minimize taxes. The risks are not worth ...
by kiwi123
Tue Sep 29, 2020 11:27 pm
Forum: Personal Investments
Topic: I wish I had not bought silver bricks. Help!
Replies: 33
Views: 6475

Re: I wish I had not bought silver bricks. Help!

If the vampire apocalypse hits, you'll be thankful for the silver :-) If it's not significant to your overall net worth i suggest keeping it. It's interesting how many direct relations in my circle have been refugees and it's not that far fetched to think that at some stage in your lifetime you may...
by kiwi123
Tue Sep 29, 2020 11:25 pm
Forum: Personal Consumer Issues
Topic: Starting a Vineyard
Replies: 30
Views: 2922

Re: Starting a Vineyard

Depends on your definition of a vineyard... is it an agricultural business that will sell grapes to winemakers? Or do you intend to grow grapes and make wine. Or, is it a multi revenue stream destination? Everyone i know in the industry (doing all 3 of the above) either started with many multi-milli...
by kiwi123
Mon Sep 28, 2020 11:53 pm
Forum: Personal Investments
Topic: I wish I had not bought silver bricks. Help!
Replies: 33
Views: 6475

Re: I wish I had not bought silver bricks. Help!

If the vampire apocalypse hits, you'll be thankful for the silver :-) If it's not significant to your overall net worth i suggest keeping it. It's interesting how many direct relations in my circle have been refugees and it's not that far fetched to think that at some stage in your lifetime you may ...
by kiwi123
Wed Sep 23, 2020 1:10 am
Forum: Personal Consumer Issues
Topic: Attend COVID Wedding?
Replies: 22
Views: 2122

Re: Attend COVID Wedding?

It's a medical question. Listen to your doctor. Her opinion is authoritative. How would you feel if you went to the wedding, had a good time, and then brought the virus home and it killed your mother? Could you live with yourself? Or if you got sick... how would your daughter feel? +1 for listening...
by kiwi123
Wed Sep 23, 2020 1:02 am
Forum: Personal Finance (Not Investing)
Topic: What happens if your income comes in below the minimum for the ACA?
Replies: 70
Views: 5146

Re: What happens if your income comes in below the minimum for the ACA?

In CA you can also supply an Affidavit of expected income for the year. I don't know what they would do if your income came in lower than the affidavit statement and you qualified for Medical/medicare... refund you?!? I have a strong suspicion that they wouldn't do anything... it would be tough for ...
by kiwi123
Wed Sep 23, 2020 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Physicians: Should I leave my job?
Replies: 207
Views: 16119

Re: Physicians: Should I leave my job?

If you can be bothered with the hassle over $100k+ in compensation, it would be worth consulting with a good employment lawyer. If their dealings with you are as shady as you say they are then it "could" be somewhat straightforward to negotiate a payout from them to make you whole. I say &...
by kiwi123
Thu Sep 17, 2020 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 21130

Re: Preparing for retirement in mid 30s

All your accounts are taxable. So when you withdraw from them, you will have *very little* income of any type to report. I have a lot of capital gains. And I am expecting (hoping) that it will continue growing at a rate of 3% plus inflation so it will fund my family's lifestyle indefinitely. I am c...
by kiwi123
Wed Sep 16, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: Invoice pricing on commercial truck?
Replies: 10
Views: 784

Re: Invoice pricing on commercial truck?

Best bet is from the dealer. Why should the dealer tell you that and why do you think they are obliged to? When you go to Home Depot to buy a refrigerator, would you ask what is their cost on this fridge? I didnt say the dealer was obliged to. I was answering the OPs question. And fridge buying is ...
by kiwi123
Tue Sep 15, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Invoice pricing on commercial truck?
Replies: 10
Views: 784

Re: Invoice pricing on commercial truck?

Best bet is from the dealer... as part of your negotiations ask the dealer to provide invoice as part of the negotiations (e.g. "whats your price from dealer invoice? When i do the deal i'll want to confirm the options etc. on your dealer invoice..."). Assuming their cost structure is simi...
by kiwi123
Tue Sep 15, 2020 8:42 pm
Forum: Personal Consumer Issues
Topic: Carvana or Vroom- ever use it?
Replies: 65
Views: 5545

Re: Sell My Car To Carvana?

Carmax and Carvana both do a good job. I thin kVroom and Shift have a similar service but i havent heard as much about them.
by kiwi123
Tue Sep 15, 2020 2:43 am
Forum: Personal Consumer Issues
Topic: Buying a car?
Replies: 25
Views: 2082

Re: Buying a car?

Good move keeping the Jeep! With only 40k miles, and a relatively cheap cracked windshield to fix, you're saving $20k+ over the next few years. Plus you're not getting into the habit of driving a new car every 3-4 years. Every year you hold off buying a new car you probably save $5k (and compounded ...
by kiwi123
Tue Sep 15, 2020 2:22 am
Forum: Investing - Theory, News & General
Topic: Questions to ask a prospective financial advisor
Replies: 112
Views: 5061

Re: Questions to ask a prospective financial advisor

Telling a potential client that there are no fees is concerning. Just re-iterating others advice, and also adding that you shouldnt insert yourself too much into other's financial situations. A nice thought would be to buy them the Bogelheads investing book, ask that they read it before they commit ...
by kiwi123
Tue Sep 15, 2020 12:38 am
Forum: Personal Consumer Issues
Topic: How old is a car that can still be traded in?
Replies: 52
Views: 4262

Re: How old is a car that can still be traded in?

Get quotes from Carmax, Carvana, Shift, and Vroom. Smoe may give them to you without a physical inspection. Use these when you go to the dealer. I you let the dealer they will go as far as "charging" you to take your old car off your hands :-) Simple answer is no car is too old to trade in...
by kiwi123
Sun Sep 13, 2020 11:51 pm
Forum: Personal Investments
Topic: 1099 and W2 Income - account & investment options
Replies: 3
Views: 335

Re: 1099 and W2 Income - account & investment options

Hi All - expecting a $50k/$50k split of 1099 Independent Contractor Income and W2 Income this year and can invest 100%. I wont need to touch it until after retirement (15+ years) so assume maximizing tax-deferred retirement accounts is the way to go. I am 50 this year so there may be higher limits ...
by kiwi123
Sun Sep 13, 2020 12:25 am
Forum: Personal Investments
Topic: 1099 and W2 Income - account & investment options
Replies: 3
Views: 335

1099 and W2 Income - account & investment options

Hi All - expecting a $50k/$50k split of 1099 Independent Contractor Income and W2 Income this year and can invest 100%. I wont need to touch it until after retirement (15+ years) so assume maximizing tax-deferred retirement accounts is the way to go. I am 50 this year so there may be higher limits f...
by kiwi123
Sat Sep 12, 2020 1:27 pm
Forum: Personal Investments
Topic: How can I get Pre IPO stocks
Replies: 20
Views: 2037

Re: How can I get Pre IPO stocks

1. Identify the pre-IPO company you want stock in 2. Get a job at that company with an offer that includes stock options or RSUs 3. Stay working there until vested Or, cut out the middleman: 1. Start a company Now you have stock in a pre-IPO company, until you either trade it all away (e.g. for ven...
by kiwi123
Thu Sep 10, 2020 3:27 am
Forum: Investing - Theory, News & General
Topic: Friend being seduced by a wealth manager...what do you know about "Brown US Equity" or "C-worldwide"?
Replies: 22
Views: 2628

Re: Friend being seduced by a wealth manager...what do you know about "Brown US Equity" or "C-worldwide"?

You tried, best to leave it be.

Perhaps another option is to buy them the Bogleheads book as a present and drop it completely after that.
by kiwi123
Thu Sep 10, 2020 2:43 am
Forum: Personal Investments
Topic: How can I get Pre IPO stocks
Replies: 20
Views: 2037

Re: How can I get Pre IPO stocks

1. Identify the pre-IPO company you want stock in 2. Get a job at that company with an offer that includes stock options or RSUs 3. Stay working there until vested Or, cut out the middleman: 1. Start a company Now you have stock in a pre-IPO company, until you either trade it all away (e.g. for ven...
by kiwi123
Tue Sep 08, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Need some advice for buying my first flat screen TV.
Replies: 75
Views: 4647

Re: Need some advice for buying my first flat screen TV.

Looking for something cheap, certainly under $500 and preferably around $300. Also wouldn't mind buying used off Craigslist. That's where I got the kitchen tv 10 years ago for $20. Stopped in at Best Buy for a quick look, and they had some nice looking ones in that range which seemed cheaper than t...
by kiwi123
Tue Sep 08, 2020 4:05 am
Forum: Personal Finance (Not Investing)
Topic: Unreported $300 1099-R
Replies: 3
Views: 766

Re: Unreported $300 1099-R

I think if it doesn't affect what you owe, then the IRS may send you a correction notice with a $0 due balance. I think I've got this notice before.

And for sure i've received the "we found an error and you owe us an additional $x" notice from the IRS!
by kiwi123
Mon Sep 07, 2020 3:10 am
Forum: Personal Finance (Not Investing)
Topic: Take Package/Severance (in mid-30's)?
Replies: 23
Views: 3965

Re: Take Package/Severance (in mid-30's)?

Take the package. Instead of going to school (e.g. MBA etc.) and spending money on "book smarts', consider using the next 12+ months to do any job you find interesting and/or including a new industry. Essentially you're getting paid to take some risks and try something new :-) Salary isn't even...
by kiwi123
Fri Sep 04, 2020 4:03 am
Forum: Personal Finance (Not Investing)
Topic: A personal finance checklist for a couple who are about to start living together and get married soon after
Replies: 21
Views: 1923

Re: A personal finance checklist for a couple who are about to start living together and get married soon after

Nothing says life long love like a prenup I assume you are being sarcastic. If so, can you elaborate why you are against this? It’s like you have one foot out the door already. But, if both sides are equally in agreement, maybe its fine, but that probably doesn’t happen often. Well OP did post a ge...
by kiwi123
Fri Sep 04, 2020 3:53 am
Forum: Personal Finance (Not Investing)
Topic: ISO exercise strategy
Replies: 14
Views: 1109

Re: ISO exercise strategy

Short-term plan, i think same day exercise if you can confirm that it's possible. Least risk and you pay a little extra tax (which is a good problem to have). Note: i've seen a lot of talk of "pre-IPO" insider sales opportunities that never came to pass for a variety of reasons... Long-ter...