Search found 1704 matches

by investingdad
Fri May 22, 2020 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12001

Re: Selling home - low ball negotiation

We've only sold one house, that was in 2010. We were aggressive in our price relative to other sellers in our neighborhood, we still had to come down almost 10% to close. I wasn't insulted. I was just glad to get out of there. Years of road noise was driving me crazy. Must not have bothered the buye...
by investingdad
Wed May 20, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4096

Re: COVID - 19 things to do

Been playing video games a bit more at night since my commute changed from a 35 min drive to a walk to home office, so I'm sleeping later in the morning.

More family movie nights.

More frequent music playing/practice.
by investingdad
Tue May 12, 2020 10:20 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526438

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

Our portfolio is about 70/30.

From the high, -7.2%.

From 1/1/2020, -4.4%.

At the low, it was -25% relative to the high.
by investingdad
Sat May 09, 2020 8:32 am
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 12996

Re: Will "work from home" destroy the commercial real estate market?

I'm in the camp that this will be largely forgotten in a few years, like everything.

My group is already flexible on WFH. But permanent one or two days of home would not be bad.
by investingdad
Thu May 07, 2020 6:29 am
Forum: Investing - Theory, News & General
Topic: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of
Replies: 60
Views: 7898

Re: Yahoo: The Downsides of 401(k)s That You’ve Never Heard Of

baconavocado wrote:
Tue Oct 22, 2019 12:04 am
Every time I open Yahoo Finance, the first thing that appears is either "Motley Fool Issues Rare Double Down" or "Man Makes $3M Day Trading".

Ignore.
The day trade ad, yep...the two guys on the private jet. Love it.
by investingdad
Wed Apr 29, 2020 8:55 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 452
Views: 15562

Re: Bird watchers – what birds are you seeing?

In PA, the sign of summer to me is the barn Swallows. They usually come out when I mow the lawn as it scares up a ton of insects. Not seen any yet.
by investingdad
Tue Apr 28, 2020 6:17 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 452
Views: 15562

Re: Bird watchers – what birds are you seeing?

Saw two blue Herron over the pond in the middle of our neighborhood a few days ago. Cardinal was in our backyard yesterday. A pair of mourning doves is nesting around our deck, and mating on our deck...so I guess they're not leaving. And my daughter saw a Bald Eagle fly over last week. I'm pretty su...
by investingdad
Sun Apr 26, 2020 8:06 am
Forum: Personal Consumer Issues
Topic: Have you tracked spending during quarantine?
Replies: 52
Views: 3319

Have you tracked spending during quarantine?

If you use something like Quicken, knowing spending during quarantine is easy.

Since the start of the year, our spending is down 25%. It will come down even more when deposits on vacation plans start to come back.
by investingdad
Sun Apr 19, 2020 5:36 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 452
Views: 15562

Re: Bird watchers – what birds are you seeing?

Figures. I don't take my cellphone with me and there's a Great Blue Heron standing in the creek at the back of my property. :shock: We stared at each other for a while. I got to within 100 feet of him until he(?) decided to move further away. I've seen herons before, but never this close. He(?) was...
by investingdad
Sun Apr 19, 2020 8:49 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 452
Views: 15562

Re: Bird watchers – what birds are you seeing?

I'm not a bird watcher but I saw this thread and wanted to mention that we have a bird around I've never seen before. An albino Robin. I also didn't realize that Robins stay in one place once they return for Spring. The albino has been around our house since arriving about a month ago. I also spott...
by investingdad
Sun Apr 19, 2020 7:43 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 452
Views: 15562

Re: Bird watchers – what birds are you seeing?

I'm not a bird watcher but I saw this thread and wanted to mention that we have a bird around I've never seen before. An albino Robin. I also didn't realize that Robins stay in one place once they return for Spring. The albino has been around our house since arriving about a month ago. I also spotte...
by investingdad
Tue Apr 14, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13463

Re: How many paid for kids' college?

Our oldest is a high school freshman.

Our plan is to pay for undergrad for both kids, up to cost of a in-state, State U.

We did not open 529 plans, prioritizing our retirement savings instead.
by investingdad
Sat Apr 11, 2020 8:55 am
Forum: Personal Finance (Not Investing)
Topic: The market correction fixed my portfolio mix
Replies: 2
Views: 237

The market correction fixed my portfolio mix

I finally decided to peak at Quicken, mostly because i needed to update accounts. As of Thursday, we are down about 10% from our net worth high. And after 5 years of rebalancing to get to 65/30/5 but having the market run up keep us equity heavy, our bonds are now 31% of our portfolio. So I guess th...
by investingdad
Sat Apr 11, 2020 8:48 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27123

Re: just got my $1200 stimulus payment

just checked my bank acct because I heard the stimulus payments could be as early as today. Sure enough $1200 dumped in savings. Not sure how to make this actionable other than to say I plan to invest it. anyone else get theirs today? No, not here. I make way too much to qualify. I am happy to hear...
by investingdad
Wed Apr 01, 2020 8:02 pm
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 18953

Re: Is the coming pain really "priced in"?

The pandemic is bad, yes...but the world survived the Spanish flu.

I don't think doomsday is upon us just yet.
by investingdad
Mon Mar 30, 2020 6:31 am
Forum: Investing - Theory, News & General
Topic: Where's Warren Buffett During This Crisis?
Replies: 155
Views: 20821

Re: Where's Warren Buffett During This Crisis?

I skimmed the annual report and newsletter for BRK this weekend and all I could think was, "Wow, this sure is out of date for only being written a few weeks ago."
by investingdad
Tue Mar 24, 2020 6:52 am
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 348
Views: 31203

Re: It's Not Different This Time

This time it actually is different. We KNOW we'll get through this (as a society). There is an end in site. What is that end? In six months, either the vast majority of the population will be infected, go through the illness, and be either immune on the other side or dead. Or (the other option) is ...
by investingdad
Sun Mar 22, 2020 5:19 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 348
Views: 31203

Re: It's Not Different This Time

I don't know how much our portfolio is down because I haven't looked. If it were 7 figures, I would not be surprised. I do not like this. I foresaw issues here such that we stocked up on food and other stuff weeks before crap hit the fan. But I didn't make investment changes. Because, honestly, I di...
by investingdad
Sun Mar 22, 2020 10:50 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 503
Views: 50399

Re: How Is Your Job Being Impacted By The Current Crisis?

I work for a company that has been determined to be a critical supplier of materials.

My wife, same.

My concern is how important my specific engineering role really is to the company.
by investingdad
Sun Mar 22, 2020 8:56 am
Forum: Personal Finance (Not Investing)
Topic: How my grandfather managed during the Depression
Replies: 2
Views: 1098

How my grandfather managed during the Depression

Amazing how much has changed in such a short period of time that I would be compelled to share this. My grandfather was born in 1903 and he passed away in the 1990s. He and his brother opened a small town hardware store while they in their mid 20s...so, mid 1920s. Way back when I was in middle schoo...
by investingdad
Sat Mar 14, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1588
Views: 128568

Re: Coronavirus (Consumer Issues) How you are preparing?

The TP crush is a microcosm example of lack of general prep and how "flattening the curve" is truly applicable.

If everyone gradually stored up TP during regular time, there'd be no spike and shortage now.

I did my part to flatten by stocking up weeks ago.
by investingdad
Sat Mar 14, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1588
Views: 128568

Re: Coronavirus (Consumer Issues) How you are preparing?

I don't think I posted in here yet. I began stocking up about 3.5 weeks ago, made 3 Costco runs during my lunch breaks. Didn't tell my wife as I figured she'd think I was crazy. I have shelf stable foods and drinks plus pet supllies that should last a while...plus meds and paper products. Now that o...
by investingdad
Wed Mar 11, 2020 10:58 am
Forum: Personal Consumer Issues
Topic: Coronavirus Movie Suggestions
Replies: 104
Views: 6978

Re: Coronavirus Movie Suggestions

I suggest reading "The Stand" rather than watching the mini series. King does a remarkable job walking us through what happens when one infected person escapes quarantine and the deadly results that follow in unexpected ways (e.g the young child that's immune but the family is dead, the immune junki...
by investingdad
Tue Mar 10, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? Taking a break from the neg. news
Replies: 237
Views: 39125

Re: Learning Violin as an adult? Yes, 3 years later!

And now for a break from all the negative stuff going on in the world...investingdad shares a new violin audio update, 3 years and 3 months of learning violin, or round about that. https://drive.google.com/file/d/12t53QSKHNI25NaR_zNTMbY86JDiJXVV-/view?usp=drivesdk This a short Paganini piece that I'...
by investingdad
Thu Feb 20, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: What do you/did you spend your bonus on?
Replies: 103
Views: 7944

Re: What do you/did you spend your bonus on?

I won't spend any of mine this year, but last year I dropped 10k of bonus money on an antique violin that I absolutely love playing.
by investingdad
Sat Feb 08, 2020 4:39 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 288
Views: 37533

Re: What video games are you currently playing?

My go to game for almost 2 years has been the free pre-release Unreal Tournament first person shooter reboot that ended up abandoned because Epic stumbled into the Fortnite printing press, when their throwaway free copycat King of the Hill mode unexpectedly eclipsed the original planned Fortnite Sa...
by investingdad
Wed Jan 29, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: Backyard Fountain For Noise Mitigation
Replies: 15
Views: 1627

Re: Backyard Fountain For Noise Mitigation

Our last house backed up to a country road that got more traffic than I anticipated, especially motorcycles. I tried the "Just plant some trees" idea and put in a heavy row of arborvitae shrubs. I put in a heavy, sound proof window in my son's room. I ran fans in our bedroom for white noise. You kno...
by investingdad
Sat Jan 25, 2020 5:48 pm
Forum: Personal Consumer Issues
Topic: Learning to read music
Replies: 31
Views: 1800

Re: Learning to read music

My personal journey into music is documented here. But I would like a clarification. I have gotten better at what I think is considered sight reading. E.g. I can play through a piece of music on the violin if I had never seen it before. But I must practice to smooth it out. But I struggle with note...
by investingdad
Sat Jan 25, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Learning to read music
Replies: 31
Views: 1800

Re: Learning to read music

My personal journey into music is documented here. But I would like a clarification. I have gotten better at what I think is considered sight reading. E.g. I can play through a piece of music on the violin if I had never seen it before. But I must practice to smooth it out. But I struggle with note ...
by investingdad
Wed Jan 22, 2020 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on moving to Pennsylvania
Replies: 53
Views: 4338

Re: Advice on moving to Pennsylvania

School taxes can be very high in districts with low concentration of businesses. It's not correlated to quality of the schools. The Southeast and the Pittsburgh / Erie area are quite different, separated by a 4 to 6 hour car drive. Central PA, other than Penn State, is incredibly rural. Southeast PA...
by investingdad
Wed Jan 22, 2020 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 43493

Re: Engineers - What are you making?

This thread is depressing. You think you're doing well until you go and read posts on the internet. Damn. I feel like a lot of these "engineer" salaries and benefits are what the executives at smaller companies are making. If you are content at your current employment and knowing that your pay is n...
by investingdad
Tue Jan 21, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: FI and/or RE: did you change your "magic number"?
Replies: 24
Views: 2311

Re: FI and/or RE: did you change your "magic number"?

I have a "gray area" band. The bottom of the band is 30x current expenses plus 15% for tax. The top of the band is 33x expenses plus 15% for tax. Below the band, I'd rather not retire. Above the band and I think we're in good shape. Inside the band is the cone of uncertainty. I'm estimating to be in...
by investingdad
Sun Jan 19, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 43493

Re: Engineers - What are you making? ($$$)

I agree with the folks that say the average or fair salary will not be arrived at by looking at this thread. First, there will be a bias where people who have fabulous salaries will be more likely to share those salaries. They are not wrong, just happy they are making more. Also, statistics already...
by investingdad
Fri Jan 17, 2020 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 43493

Re: Engineers - What are you making?

Apparently the lower paid engineers are not responding. According to this, average engineering salaries range from about $86K (Industrial) to $123K (Petroleum). That seems likely to me (though I'm not an engineer). https://engineersalary.com/ I have recruiters contact me often with engineering posi...
by investingdad
Fri Jan 17, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 43493

Re: Engineers - What are you making?

BS ChemE, plus MBA (that I don't use) 120k with target 15% bonus, last two years payout has been high. 9% total 401k match. 24 years experience VLCOL area 40 hours, but very low stress Super flexible work environment I could be making more if I was motivated to go into management or project work, bu...
by investingdad
Fri Jan 10, 2020 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1484
Views: 387970

Re: Share your net worth progression

Year-end: 2003 - $20k - 29 yo in VHCOL city. Record-keeping imprecise at this point before I got Quicken 2004 - $186k - high paying job 2005 - $355k 2006 - $511k 2007- $576k - new job but it didn't go so well 2008 - $501k - ouch. Also got laid off 2009 - $557k - all-in on equities. This was a good ...
by investingdad
Wed Jan 08, 2020 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1484
Views: 387970

Re: Share your net worth progression

Year-end: 2003 - $20k - 29 yo in VHCOL city. Record-keeping imprecise at this point before I got Quicken 2004 - $186k - high paying job 2005 - $355k 2006 - $511k 2007- $576k - new job but it didn't go so well 2008 - $501k - ouch. Also got laid off 2009 - $557k - all-in on equities. This was a good ...
by investingdad
Tue Jan 07, 2020 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Piano & college admissions
Replies: 101
Views: 6954

Re: Piano & college admissions

My 14 and 12 year old play flute and sax respectively. I don't expect it to move the needle for college, but I hope it will open avenues of opportunities for them they wouldn't otherwise have (county band, college ensembles, meeting people, etc). I've documented my late start to music on here. Ultim...
by investingdad
Mon Jan 06, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Millennial Looking for Creative Alternatives for Loan/Mortgage
Replies: 77
Views: 5364

Re: Millennial Looking for Creative Alternatives for Loan/Mortgage

alwayshedge wrote:
Mon Jan 06, 2020 12:21 pm
This post is confusing. You’re borrowing money and want your repayment to go to a good cause? :confused
That's what I read as well.

I don't really know how to respond.
by investingdad
Mon Jan 06, 2020 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Millennial Looking for Creative Alternatives for Loan/Mortgage
Replies: 77
Views: 5364

Re: Millennial Looking for Creative Alternatives for Loan/Mortgage

OP, The people that lost homes during the mortgage crisis did so because they borrowed more than they could afford. If a lender says I can afford to borrow X, it's ultimately up to me to know if I can really afford it. Did I run the numbers? Did I do what if scenarios? Or did I willingly believe the...
by investingdad
Wed Jan 01, 2020 11:10 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2955
Views: 526438

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

Our total net worth increase for 2019 came in at 30.6%, plus or minus a few dollars.

Current mix is about 70/25/5.

Over the last five years, it increased by 88.5%.

I feel like I need to do something to lock it in...but I don't know what I would do. So I guess just leave it.
by investingdad
Tue Dec 31, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: What Are Your 2020 Goals?
Replies: 56
Views: 12065

Re: 2020 Goals?

Aside from the typical stuff (good family time, continued employment, good health, etc), I want to actually find time to start practicing with the local amateur / community orchestra as the next step in my violin progression.
by investingdad
Tue Dec 31, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How much were you able to spend this year?
Replies: 53
Views: 2854

Re: How much were you able to spend this year?

We spent around 130k on non tax expenses. That was on a total compensation of between 270k and 310k. If you're not going to derive some enjoyment from your work, really... what is the point? Our biggest spending was on vacation. I bought myself a fine instrument as I further pursue my musical endeav...
by investingdad
Mon Dec 30, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: If your net worth is over $3 million, how did you do it?
Replies: 436
Views: 117463

Re: If your net worth is over $3 million, how did you do it?

We have a shot at hitting 3 million by the end of 2019. I need about a 3.5% market gain plus our normal contributions to break it. We'll be 46. - engineering and business degrees for wife and I - good paying jobs in our field, but not crazy high, we broke 100k each around age 40 - saved about 25% o...
by investingdad
Tue Dec 24, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Anyone had success demanding a fully remote position at their current employer?
Replies: 31
Views: 2588

Re: Anyone had success demanding a fully remote position at their current employer?

I requested to work remotely one day a week last summer for flexibility with our kids being home from school. My job and company sound identical to the OP...except we are very much setup for remote working, including Skype and headsets for phone calls as office phones were removed a few years ago. I...
by investingdad
Mon Dec 23, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 149905

Re: High Earners - What's Your Profession?

Ah that's a tough one. How old is your kid? For pure earning potential, demand, and impact, right now it's hard to bet against technology specifically computer science/software of some kind. Recessions come and go, I'm old enough to remember 2001 and 2009 and the impact on the tech sector as I imag...
by investingdad
Mon Dec 23, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 149905

Re: High Earners - What's Your Profession?

Ah that's a tough one. How old is your kid? For pure earning potential, demand, and impact, right now it's hard to bet against technology specifically computer science/software of some kind. Recessions come and go, I'm old enough to remember 2001 and 2009 and the impact on the tech sector as I imag...
by investingdad
Sun Dec 22, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 149905

Re: High Earners - What's Your Profession?

IBEW Electrician, 105k gross + 34k employer contributions into a 401a. 40hrs a week, little bit of OT here and there. Proud to represent the blue collar workers. This is the sort of information that should be shared in our high schools. I've always believed the skilled trades are an avenue to a goo...
by investingdad
Sat Dec 21, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 149905

Re: High Earners - What's Your Profession?

Curious, what kind of hours are the engineers (electric / aerospace / civil / etc...) and software engineers earning >$250k pulling? Are you working banker hours (M-F 9-5) or are you slaving 80hr+ weeks to earn that kind of pay? How is your lifestyle in terms of making it to your kids events, spend...
by investingdad
Fri Dec 13, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 89753

Re: Flaunt Your High-Mileage Car

I've finally rolled the odometer on a car over 100,000 miles after 30 years of driving.

My 2013 Nissan Maxima now has 100,600 miles.

I thought of getting a new Maxima this year but decided to wait after purchasing another pricey item.