Search found 941 matches

by random_walker_77
Sun May 24, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 26
Views: 1194

Re: Update current laptop or buy new one?

I'd get the SSD and skip on adding RAM. Since you already have linux, do note that the linux lite distro is really good for slower laptops. But your CPU is decent and a SSD should greatly improve your experience. The windows side would likely also see a decent improvement with a clean install, but i...
by random_walker_77
Sun May 24, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 70
Views: 2524

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

Car buying programs aren't going to get you the best price. Seriously do consider getting the used and fairly new car -- there's a steep discount to be had when it's not a brand-spanking new car, and in the midst of record unemployment, it's now a buyer's market. Save the completely brand new car gi...
by random_walker_77
Sun May 24, 2020 8:59 pm
Forum: Personal Consumer Issues
Topic: Advice? How to stop mud swallow nesting under the house eaves and walls?
Replies: 8
Views: 558

Re: Advice? How to stop mud swallow nesting under the house eaves and walls?

We had barn swallows that were very persistently building nests above our front door, about 20' up. Knocking their nest down every night was getting old, and so we tried bird deterrent, which worked out very well. It sounds like the theory is that a shiny dangly thing that flutters in the wind makes...
by random_walker_77
Sat May 16, 2020 9:11 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10358

Re: Please tell me I'm not crazy

I'm with your wife on this one. You've got dependents, and 4 months is at the low end of an EF. Don't get greedy -- get a solid EF built up. That's the foundation that keeps you from having to sell at the bottom. I like the notion of a 12month EF in cash equivalents. An alternative might be 4-6 mont...
by random_walker_77
Tue May 12, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Check Endorsement Problem-Question
Replies: 20
Views: 1303

Re: Check Endorsement Problem-Question

Why do you endorse the check “for deposit only? How can anyone else possibly negotiate the check Oddly enough, it's what some banks tell you to do. Capital One doesn't specify this, but my national brick & mortar bank specifically says to endorse it as " For mobile deposit only. " Wells Fargo state...
by random_walker_77
Sat May 09, 2020 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17337

Re: Quitting a job after two weeks: relocation expenses

PS, I agree w/ everything Jack FFR1846 said in his post above. Effective communication is super-important, and even more so when your customers/manager aren't technical. Take a cue from those around you as to what constitute effective communication at your firm.
by random_walker_77
Sat May 09, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17337

Re: Quitting a job after two weeks: relocation expenses

Things are getting worse, not better. In a couple instances I ended up in actual physical tears, at the end of my work day, commiserating my life. I started pushing back on some of the items that were shoved on me, and was met with extreme perplexity, my boss actually stopped for 3-4 seconds before...
by random_walker_77
Wed May 06, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 4785

Re: Is there anything more environmentally friendly than Drano for unclogging a drain?

For a shallow clogs I've found something like this handy (plastic drain "auger"): https://www.grainger.com/product/415C75 I use this once in a while when our sinks / shower get slow due to hair and soap buildup. Surprising how much of that stuff doesn't just go down the drain. EDIT: I see a few oth...
by random_walker_77
Tue May 05, 2020 11:15 pm
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11142

Re: All my friends are outperforming index funds

Do a google search for “gt advanced investing thread”. The original thread was on a site called contrarianinvestor.com that does not exist anymore; unfortunate because it was an all time classic read. Even more important than making money investing is minimizing your risk of losing everything. Inte...
by random_walker_77
Sat May 02, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: What book should I “listen” to next?
Replies: 7
Views: 760

Re: What book should I “listen” to next?

I'd highly recommend "The Little Book of Common Sense Investing" regarding how to invest. "The Millionaire Next Door" is thought-provoking about how to spend. "A Random Walk Down Wall Street" is wonderful for more theory behind why we shouldn't try to beat the market. On your list was "Rich Dad, Poo...
by random_walker_77
Sat May 02, 2020 9:37 pm
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 3894

Re: Lawnmower recommendation

Front yard has two hills from trees we removed, back yard is decently flat but some dips from neighbor tree removal from our yard. IT usually gets overgrown by the time I get around to it. we have had something like 5 out of 6 days rain here lately. Is an electric mower self propelled? I think in t...
by random_walker_77
Sat May 02, 2020 9:29 pm
Forum: Personal Investments
Topic: Early 30s DINKs in VHCOL area thinking about next steps
Replies: 16
Views: 2764

Re: Early 30s DINKs in VHCOL area thinking about next steps

I'd recommend setting aside the downpayment in CDs and treat the rest of the portfolio as 70/30, assuming the house purchase will go forward regardless. If the plan is to punt on the house if the portfolio crashes, then that'd be different. Though future income is uncertain, we feel our jobs are som...
by random_walker_77
Sat May 02, 2020 8:32 pm
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 3894

Re: Lawnmower recommendation

How big is your yard? Flat or hilly? About how long does it normally take you? What kind of mower did you have? Are you generally pretty good at staying on top of it, or do you often deal with cutting back an overgrown jungle? How's the weather? Is it always raining so you're always cutting wet gras...
by random_walker_77
Fri May 01, 2020 10:14 pm
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3277

Re: How to I invest in the self-driving car industry?

BOTZ and DRIV Curious both of them list Nvidia as their number one holding Confused by this explaining it’s not possible. There’s already cars and semis on the road doing it. It’s a bizarre argument. :confused The human brain didn’t evolve to drive a car BTW. But we sure are awesome at throwing stu...
by random_walker_77
Fri May 01, 2020 10:03 pm
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3277

Re: How to I invest in the self-driving car industry?

I think it's more likely we'll see more and more advanced driver assistance systems in the near to medium term. Things that try to warn and/or help avoid carelessly running over pedestrians at the crosswalk, falling asleep at the wheel, driving drunk, driving off the road while texting etc. While th...
by random_walker_77
Wed Apr 29, 2020 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17337

Re: Quitting a job after two weeks: relocation expenses

OP, you need to learn how to push back. The correct answer is usually not "no, I can't do this" but rather "It can be done in x timeframe. If you need it done by y, then z needs to happen," where z might include hiring me a team of n engineers. Maybe this is a place w/ a culture of working 100 hrs/w...
by random_walker_77
Thu Apr 23, 2020 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 32
Views: 2815

Re: Can I retire?

1) Regarding that 23K difference, just to doublecheck your numbers, how did you figure that? Your gross income drops 67K. How much were you kicking in to pension, 20K (pre-tax)? That brings you to 47K. If you then drop 40% of the remainder for taxes, then you're at 28K for continuing to work vs not ...
by random_walker_77
Sun Apr 19, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4244

Re: How to get Liquid Hand Soap? seriously.

Target is shipping cheap "Milk & Honey" soap to my zip code. ymmv https://slickdeals.net/f/13991753-up-up-hand-soap-7-5-oz-79-target-ships-free-with-redcard-0-79?src=frontpage Also, it seems to be available from office supply stores in bulk (i.e. 1 gallon refill) : https://www.quill.com/search?keywo...
by random_walker_77
Thu Apr 16, 2020 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tech job switch during pandemic: benefits/risks?
Replies: 27
Views: 2368

Re: Tech job switch during pandemic: benefits/risks?

read your contract. there's non-compete and then there's non-solicit, and a client poaching you clearly falls in the latter and is much more enforceable than the former. Software companies almost never enforce non-competes. Especially in the Bay Area. Massachussetts is the only state I know that en...
by random_walker_77
Thu Apr 16, 2020 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Moving states to avoid capital gains taxes
Replies: 42
Views: 3716

Re: Moving states to avoid capital gains taxes

Do you formally notify the state that you moved so that they don't automatically assume you're a non-filer since you filed a return for the previous tax year? No. In the year you move out of CA, instead of filing a CA Resident tax return Form 540 you would file a Nonresident or Part-Year Resident t...
by random_walker_77
Thu Apr 16, 2020 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Moving states to avoid capital gains taxes
Replies: 42
Views: 3716

Re: Moving states to avoid capital gains taxes

Seems to me that selling investments to pay off the mortgage early is not a good idea. Why do you want to do that? For the psychological benefit? It will enable me to quit my job and my wife to go part time. The plan would be to tap enough to bridge the gap from early retirement to the age we could...
by random_walker_77
Mon Apr 13, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: Zoom Meeting No Video Camera or Microphone
Replies: 16
Views: 1184

Re: Zoom Meeting No Video Camera or Microphone

If you have a smartphone, use the free zoom app. Feel free to uninstall the app right after the meeting. There's probably nothing stopping you from connecting via both the phone and the computer, letting you benefit from the computer's larger screen. If you connect twice, make sure you only connect ...
by random_walker_77
Wed Apr 08, 2020 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Is saving $19k/yr worth having roommates? (California Bay Area)
Replies: 71
Views: 5644

Re: How much rent can I afford (California Bay Area)

Honestly, you can afford it, but it's a personal value judgement as to whether you want to spend your money on this particular "luxury good". To elaborate, you're saving a lot with your 50% savings rate. A 44% savings rate w/ this proposed increased expenditure is still very very respectable. So you...
by random_walker_77
Sun Apr 05, 2020 10:17 am
Forum: Personal Consumer Issues
Topic: Honda Accord 2015 Battery Swap Out: do it myself?
Replies: 33
Views: 1318

Re: Honda Accord 2015 Battery Swap Out: do it myself?

Pretty straightforward. Wear goggles. When unbolting the battery connectors, disconnect the negative (black) side first. It's grounded to all the metal in the frame. If you make the mistake of starting w/ the positive side first, and your wrench accidentally touches the frame, you'll complete a shor...
by random_walker_77
Thu Apr 02, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13431

Re: Safest way to get food

11. Wash hands again Finally: sit down on the couch and wonder if all that effort really made a difference. Before sitting down on the couch, we are: 12. Leaving shoes worn to store in clean up area. 13. Removing clothes worn to store and putting them directly into washing machine. 14. Showering. P...
by random_walker_77
Wed Apr 01, 2020 8:26 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13431

Re: Safest way to get food

DW and I are in the risk group so on our rare trips to town, either not together, the protocols when in public are: N95 masks Eye shields.....glasses Long sleeve shirts n hats Pockets full of disinfectant wipes Latex surgical gloves Disinfect everything before entering home, all groceries, mail, et...
by random_walker_77
Sat Mar 28, 2020 10:12 pm
Forum: Personal Consumer Issues
Topic: black stain on concrete: mold or hazard?
Replies: 16
Views: 1100

Re: black stain on concrete: mold or hazard?

AQ wrote:
Sat Mar 28, 2020 3:12 pm
dru808 wrote:
Sat Mar 28, 2020 2:58 pm
A picture or 2 would help
not sure how to post a picture..[ :confused
Upload it to a photo hosting site and then you can embed the URL in as an image. See:
https://www.bogleheads.org/wiki/Posting ... forum_post
by random_walker_77
Sat Mar 28, 2020 10:10 pm
Forum: Personal Consumer Issues
Topic: black stain on concrete: mold or hazard?
Replies: 16
Views: 1100

Re: black stain on concrete: mold or hazard?

I wouldn't be concerned about mold outdoors. Sunlight kills the worst stuff, and if it's damp enough that it's growing on concrete, then you'll have tons of it in the soil. I've even seen, gasp, mushrooms grow outside.

Pressure washers are good at blasting stuff off of concrete surfaces
by random_walker_77
Sat Mar 28, 2020 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: 50% paycut after starting new job
Replies: 53
Views: 6844

Re: 50% paycut after starting new job

Startups are high risk and high reward. The 50% across the board paycut is a pretty extreme measure. Maybe it allows the startup to stay in business. Maybe it's a sign that the startup is likely to go under very soon. If a lot of key talent leaves because of the 50% paycut, then it's even less likel...
by random_walker_77
Sat Mar 28, 2020 9:58 pm
Forum: Investing - Theory, News & General
Topic: Buy call options for locking in current low prices for future monthly contributions?
Replies: 23
Views: 1627

Re: Buy call options for locking in current low prices for future monthly contributions?

Looking at VTI (vanguard total stock market etf), which I would've thought to be a large and very liquid ETF, yahoo finance isn't showing very many open options contracts (which I think are 100 shares each?). You don’t want VTI. The market isn’t there. CRSP never really market their indexes to the ...
by random_walker_77
Sat Mar 28, 2020 9:30 pm
Forum: Investing - Theory, News & General
Topic: Buy call options for locking in current low prices for future monthly contributions?
Replies: 23
Views: 1627

Re: Buy call options for locking in current low prices for future monthly contributions?

I suppose it depends on how good of a deal you can get on the options. How much does that purchase option (aka call) cost you? Looking at VTI (vanguard total stock market etf), which I would've thought to be a large and very liquid ETF, yahoo finance isn't showing very many open options contracts (w...
by random_walker_77
Sat Mar 28, 2020 9:53 am
Forum: Personal Investments
Topic: Wash Sale Rule
Replies: 5
Views: 193

Re: Wash Sale Rule

If I sell 100 shares of VTI and then buy it back at same or higher price do I still pay tax on original sale if VTI if it was up from my original purchase. Example: Buy VTI at $100 Sell VTI at 150 Buy back VTI at 152 I decided I really didnt want to sell so I jumped back in Is there a tax implicati...
by random_walker_77
Thu Mar 26, 2020 9:47 pm
Forum: Personal Investments
Topic: I moved to cash on March 13th and I’m regretting my decision now
Replies: 77
Views: 9302

Re: I moved to cash on March 13th and I’m regretting my decision now

I did the same ...cashed out...because I didn’t have a IPS and panicked. I will take the advice to do nothing until I have an IPS but I’m locked out of reinvesting into the total bond and total stock for 4 weeks. Is that the true for all Vanguard mutual funds? That’s correct. You’d have to buy ETFs...
by random_walker_77
Tue Mar 24, 2020 11:22 pm
Forum: Personal Consumer Issues
Topic: Ants ... should we keep going or change tactics
Replies: 36
Views: 2299

Re: Ants ... should we keep going or change tactics

I've also had good luck w/ Borax. Half a spoon of (creamy) peanut butter, half a spoon of sugar and then increase the volume by 10% w/ borax. Mix thoroughly, put on a piece of cardboard or a jar lid and place near the line of ants. Ants are attracted to either protein or sugar. This has both. Be sur...
by random_walker_77
Fri Mar 20, 2020 10:31 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190724

Re: Bogleheads community discussion - Coronavirus

At times like these, humor is a good thing. I was just recently made aware that the far side is publishing curated reruns at http://thefarside.com This one was on the page a few days ago, but it's no longer available there. So here's a random link that google found, searching for "far side viral uh ...
by random_walker_77
Fri Mar 20, 2020 10:15 pm
Forum: Investing - Theory, News & General
Topic: Is it really that bad?
Replies: 96
Views: 7971

Re: Is it really that bad?

1) Thanks for the concern. 2) I had been unemployed for more than 1 year a few times. So, unemployment is more like "Business As Usual" for me. 3) I am more worried about my health than the financial stuff. KlangFool Best wishes for your job situation. I too have enjoyed reading your insights. May ...
by random_walker_77
Fri Mar 20, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: Is it really that bad?
Replies: 96
Views: 7971

Re: Is it really that bad?

It's certainly not good, but I don't feel like it's all that bad yet. Ask again in 4 months -- we'll either be thinking "why was there so much panic?" or we'll all be really depressed and it will be truly bad. In 2001, at least in tech, it was pretty bad how hard it was for people to find jobs. In 2...
by random_walker_77
Fri Mar 20, 2020 9:55 pm
Forum: Investing - Theory, News & General
Topic: Anybody want to guess the bottom of this "dip"?
Replies: 573
Views: 37749

Re: Anybody want to guess the bottom of this "dip"?

What’s everyone’s basis for determining what is priced into the market as it stands right now and assessing that we are at/near bottom or have a long way to go? Are we talking about gut feels here or do people have numbers driving decisions? How do the pro's do this? Some expectations of P/E, or fu...
by random_walker_77
Thu Mar 19, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Actual Layoff: Just Need Some Positive Reassurances
Replies: 42
Views: 4108

Re: Actual Layoff: Just Need Some Positive Reassurances

I think you'll be fine. You've got cash. You've got a very nice multiple of your expenses (even including healthcare). If you were to retire now, I think you'd be ok. If you get another job at some point, that's just gravy. As to whether to do anything, I don't think you need to. But if I were you, ...
by random_walker_77
Wed Mar 18, 2020 7:55 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 416
Views: 398071

Re: A time to EVALUATE your jitters

mooudn wrote:
Wed Mar 18, 2020 7:01 pm

how do you post pictures here? i d like to post a screen shot of my portfolio but cant figre out how.
take a look at this page, which explains how to post pictures: https://www.bogleheads.org/wiki/Posting ... eads_forum
by random_walker_77
Wed Mar 18, 2020 7:50 pm
Forum: Investing - Theory, News & General
Topic: Why all these timing threads?
Replies: 67
Views: 3524

Re: Why all these timing threads?

And: https://www.bloomberg.com/professional/blog/active-management-beats-passive-equity-markets-turn/ It seems during short time frames of market downturns, hedge funds tend to outperform passive An analysis with Bloomberg tools suggests there may be something to that sentiment, as it found that he...
by random_walker_77
Wed Mar 18, 2020 7:35 pm
Forum: Investing - Theory, News & General
Topic: Should people STOP investing in favor of boosting their emergency funds?
Replies: 83
Views: 5540

Re: Should people STOP investing in favor of boosting their emergency funds?

My plan has always been to rely on EF and then tap bonds. If you're 100% stocks, then perhaps an extra-large EF is the way to account for it. Basically, for however long you need to hold out, you're going to want more money than that. Imagine that you have 6 months of funds, and it takes you 6 month...
by random_walker_77
Tue Mar 17, 2020 10:44 pm
Forum: Personal Investments
Topic: Can this trigger Wash Sale Rule tomorrow ?
Replies: 8
Views: 452

Re: Can this trigger Wash Sale Rule tomorrow ?

To elaborate on MotoTrojan's point: 1) buy 50 shares of ITOT 2) 30 days later, sell 500 shares of ITOT at a loss, (but not the specific shares purchased 30 days earlier) If you bought some shares, within the +/- 30 day window, you have a wash sale. The loss from the sale of stock transfers over to t...
by random_walker_77
Tue Mar 17, 2020 10:37 pm
Forum: Personal Investments
Topic: Can this trigger Wash Sale Rule tomorrow ?
Replies: 8
Views: 452

Re: Can this trigger Wash Sale Rule tomorrow ?

Agreed. No wash sale. An example of what would be a wash sale: 1) sell 500 shares of ITOT at a loss 2) buy 50 shares of ITOT back 30 days later The loss on 450 shares is fine. On 50 shares, the loss transfers over to the newly-bought shares (i.e. wash sale), and would be claimable when you sell thos...
by random_walker_77
Tue Mar 17, 2020 10:09 pm
Forum: Investing - Theory, News & General
Topic: Why all these timing threads?
Replies: 67
Views: 3524

Re: Why all these timing threads?

I would say this. If we are still in the earlier portions of the recession (basically not at the 'bottom), market timing should objectively and mathematically (no emotional trading) beat timing in the market most of the time. You can't say "Time in the market beats market timing" because markets te...
by random_walker_77
Tue Mar 17, 2020 7:25 pm
Forum: Personal Investments
Topic: Changing Asset Allocation in IRAs - Sell at loss?
Replies: 3
Views: 239

Re: Changing Asset Allocation in IRAs - Sell at loss?

My Roth and SEP IRA's are currently 100% VTSAX and I'd like to change my over all asset allocation moving forward to Global Market/Cap Weight using VT/VTWAX. My accounts are down +- 27%. Does it make sense to sell now and rebalance into VT? Seems like poor timing to sell. That was my first impressi...
by random_walker_77
Tue Mar 17, 2020 7:15 pm
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 91
Views: 4952

Re: Giving thanks to our moderators

Thank you mods. You're doing a great job keeping these forums sane during these crazy times.
by random_walker_77
Tue Mar 17, 2020 10:30 am
Forum: Personal Investments
Topic: Early Retirees with 100% stocks and high net worth
Replies: 7
Views: 1491

Re: Early Retirees with 100% stocks and high net worth

Not an early retiree but 100% stock person. What this drop has done is make me wish I had bonds but only for the sole purpose of buying more stocks. I know that doesn’t make much sense and is definitely market timing but it does make me miss the advantage of being able to rebalance my portfolio. Sh...
by random_walker_77
Tue Mar 17, 2020 9:56 am
Forum: Personal Investments
Topic: Need advice on my situation
Replies: 19
Views: 1278

Re: Need advice on my situation

That does add more context. I'm sorry, I realize now I should've asked for this: can you post your info in this format ? This gives us more complete information on the magnitude of debts, assets etc It might also be good to enumerate your spending (you don't necessarily need to post it). Think about...
by random_walker_77
Mon Mar 16, 2020 9:39 pm
Forum: Personal Investments
Topic: Need advice on my situation
Replies: 19
Views: 1278

Re: Need advice on my situation

While I appreciate the advice I have received so far, it would be great to get some replies to my specific questions #1 and #2 ... 1. If you sell VFORX (or exchange into VMMXX, which is a sale and a buy) in your Taxable account, you will incur a capital gain or loss. You may owe income taxes on any...