Search found 484 matches

by random_walker_77
Thu Feb 22, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 34
Views: 2156

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

For those lacking discipline to sell, try putting in recurring calendar reminders. While this seems like a pretty good rate of return, it does add some amount of risk and hassle. You have to decide if the reward is worth it to you. 5% gain on 10% of your salary for half a year is only 0.25% of your ...
by random_walker_77
Wed Feb 21, 2018 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 34
Views: 2156

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

Also remember that the benefit occurs twice a year. Combined with the time weighted average mentioned above, my back of the napkin calculations says you would need about a 22% yearly rate on the 10% cash reserved from your salary in order to gain the same benefit of 1/(1-.05) once every six months....
by random_walker_77
Tue Feb 20, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 5809

Re: Washer/Dryer longevity ?

As someone who had the ~17 year old dryer in their building catch on fire because of a spark from old internal wiring igniting lint which had built up inside over time, put me in the "buy a replacement" column If anything, it's a reminder of why you should clean it out (and the dryer vent) every 7-...
by random_walker_77
Tue Feb 20, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: 26 foot Box Truck Rental Questions (Tolls and Insurance)
Replies: 10
Views: 580

Re: 26 foot Box Truck Rental Questions (Tolls and Insurance)

I don't drive rental trucks but be very careful not to drive under a low-hanging roof when buying gas. Also watch for low bridges. I have seen the consequences and they are not pretty. Everyone else can see the consequences too, at the infamous "can opener" bridge: https://www.nbcnews.com/nightly-n...
by random_walker_77
Tue Feb 20, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 45
Views: 2853

Re: Which book for an 18 year old who is asking about investing?

I looked at the recommended reading on Bogleheads but am clueless about which book would be good for an 18 year old who is asking about investing. She has a ROTH IRA already (we match her earnings) in Fidelity ETFs because the total is not enough for index funds. She wants to be more involved in ch...
by random_walker_77
Sat Feb 17, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 4895

Re: Best plants to grow to save money for food costs

Since you're starting out, I'd recommend green onions for an easy win. Just save the bottom 1" of root from your next batch of grocery-store green onions. Submerge the bottom 1/4" in water, replacing every day or two until it roots, then plant outside when it's got enough roots. They're hardy, peren...
by random_walker_77
Thu Feb 15, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover
Replies: 4
Views: 414

Re: 401k Rollover

How long has she had the check? Once you get the check, you've got 60 days to get it into an IRA or there'll be a 10% early withdrawal penalty see http://www.401khelpcenter.com/401k_education/involuntary_distribution.html#C Also, she needs to come up with the 20% that were withheld to fund that IRA,...
by random_walker_77
Thu Feb 15, 2018 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Value Preservation, Bond-like Returns, Inflation Hedge
Replies: 4
Views: 444

Re: Value Preservation, Bond-like Returns, Inflation Hedge

I don't know that such a thing exists. TIPS, but they don't yield better, and even CDs don't do so well after both inflation and taxes. Better returns generally implies higher risk. For an inflation hedge: holding long-term mortgage debt (which shrinks with inflation), TIPS, and stocks (I only own s...
by random_walker_77
Thu Feb 15, 2018 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Help getting started [dual citzenship - US and Israel]
Replies: 11
Views: 866

Re: Help getting started [dual citzenship - US and Israel]

Thanks. I will read up on it to the best of my ability but I have absolutely no experience with this. I feel that my only real option here is to use the services of an accountant with expertise in this area to sort things out, especially if I want this done quickly. It is too easy for me to procras...
by random_walker_77
Wed Feb 14, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: 529 vs. student loans vs. taxable account
Replies: 13
Views: 989

Re: 529 vs. student loans vs. taxable account

First time poster here. We've finally reached the point where we have an e-fund, are maxing available retirement vehicles, and have some money left over each month. We are trying to decide what to do with the money we have left over. Details: 37 and 40 6 months of expenses in an emergency fund 1.6x...
by random_walker_77
Wed Feb 14, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help getting started [dual citzenship - US and Israel]
Replies: 11
Views: 866

Re: Help getting started [dual citzenship - US and Israel]

I have been working mostly part time for the past few years with a single employer (a close friend). I have had my employer hold my payments up until now as I needed to organize my financial situation (I had the idea of looking for better options than just being self employed and receiving money in...
by random_walker_77
Sun Feb 11, 2018 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 4853

Re: Leaving HCOL state for financial reasons

If you truly believe a concentrated position in a single housing market will outperform the broad market, then why not go big? Leverage yourself to the hilt, put 10% down, mortgage for 6x peak rsu-derived income. If things go well, you get rich. If they don't, you turn in the keys and walk away w/ ...
by random_walker_77
Sun Feb 11, 2018 12:28 am
Forum: Personal Consumer Issues
Topic: FLIR Thermal Imaging Camera
Replies: 14
Views: 1396

Re: FLIR Thermal Imaging Camera

Or rent an even higher end one overnight from the home depot: https://www.homedepot.com/tool-truck-re ... a/FLIR-i7/
by random_walker_77
Wed Feb 07, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 4853

Re: Leaving HCOL state for financial reasons

Allow me to piggyback on this question. Would not your increase in equity in HCOL home offset any savings by moving to a LCOL area? That's an interesting question, and at its heart, I think it gets at risk vs reward. Usually, your home is a leveraged investment, which means you could gain (or lose)...
by random_walker_77
Wed Feb 07, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 4853

Re: Leaving HCOL state for financial reasons

Before the last housing downturn, we left the Bay Area for central Texas. Like the OP, we were early-career, and after a decade in the area had both friends and family there. Thinking of starting a family, we left primarily for quality of life, of which finances were a not insignificant factor. The ...
by random_walker_77
Fri Jan 26, 2018 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Still working out of greed or fear?
Replies: 46
Views: 4937

Re: Still working out of greed or fear?

Perhaps a combination of both. Greed, since we have more than enough, and the income is ridiculously good right now. Fear, since the country's political uncertainties makes it feel safer to be associated with a powerful corporation. And then there are the non-financial considerations, such as the in...
by random_walker_77
Sat Dec 23, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund (DAF) - Bunch Now - Easy (even easier than backdoor Roth)
Replies: 19
Views: 1485

Re: Donor Advised Fund (DAF) - Bunch Now - Easy (even easier than backdoor Roth)

And just a warning to folks to carefully consider if donating more this year offers enough benefit. If you're income is high enough, the Pease limits do peel back the benefit you get from deductions. AMT too.
by random_walker_77
Sat Dec 16, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Is a Year on the JOb too Soon to Ask For a Promotion?
Replies: 24
Views: 2067

Re: Is a Year on the JOb too Soon to Ask For a Promotion?

Did you have a year end review ? If not, wait to see what your supervisor says about your performance, maybe they would bring this up ? Good strategy is to let them lead and then fill in the holes in the discussion. If they don't thank you for doing 2 jobs...point that out. If they mention the 2 jo...
by random_walker_77
Sun Dec 03, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: How to convince DW that high miles used car is OK
Replies: 106
Views: 7182

Re: How to convince DW that high miles used car is OK

Another option is to hunt for old low-mileage used cars. We don't drive much and my wife is itching for a new car to replace our trusty 14 year old camry (that has under 60K miles and full maintenance records). According to kelley blue book, it's not worth that much more than an equivalent with doub...
by random_walker_77
Thu Nov 30, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 31
Views: 4396

Re: Unclaimed property

Well it appears the DW and I have about $190 coming! Thanks for the link! :D It got me thinking, about 30 years ago I lost track of a safe deposit box after a move. It was back when such boxes were cheap and I don't think I had much of anything important in it. Never the less is there any similar t...
by random_walker_77
Mon Nov 27, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 9249

Re: Can I afford a $1,400,000 house

You have a deficit net worth. Notwithstanding your high income, you have a ways to go before you should consider a house in this price range. Gill I beg to differ, they're high income in secure fields (ie medicine) makes them easily afford this house. Just because you can doesn't mean you should. W...
by random_walker_77
Sun Nov 26, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 31
Views: 4396

Re: Unclaimed property

Bumping this thread. I was about to post about this and found this old thread which covered things nicely. Now is a great time to check on yourself, and check on your relatives, friends, coworkers, and neighbors. It's a great way to restart a conversation with "hey, I was looking online and thought ...
by random_walker_77
Sat Nov 25, 2017 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 13040

Re: Help DW gets fired, but then next day her boss offers her job back

I really think her boss is unethical for doing this and maybe breaking the U.S. labor laws for job classification. When her boss fired her and rehired her, effectively switching her from exempt to non-exempt her job function must change. He should be taking away some of the her job functions, such ...
by random_walker_77
Fri Nov 24, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Break up target date fund for more control?
Replies: 10
Views: 819

Re: Break up target date fund for more control?

1) Maybe. Depends on your fund availability and expense ratios. Also, depends on your willpower and ability to stick to a plan when things go sour (as they eventually will). The all-in-one has the big benefit that it's pretty good, automatically rebalances, and it encourages keeping your hands off t...
by random_walker_77
Thu Nov 23, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 4875

Re: best cordless drill??

The 1/2" chuck hammer drill is incredible if you want to drill into cement or block to put a TapCon. Point is, the yellow Dewalt logo is often seen on job sites for a reason. The only thing tougher is a tool with a cord. Sidenote, while hammer drills are much better than regular drills for concrete...
by random_walker_77
Thu Nov 23, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 4875

Re: best cordless drill??

Agreed with the above. Especially that cordless Li-ion batteries do wear out over time, and are *really* expensive, but the convenience of a cordless is really nice. And an impact driver is a truly worthwhile addition if you're putting in deep screws or big lag bolts. Can't go too wrong with any bra...
by random_walker_77
Tue Nov 21, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector still works with breaker off?
Replies: 38
Views: 2878

Re: Whole House Surge Protector still works with breaker off?

That sounds about right to me. I've looked into them and am planning to put one in, perhaps next year. They are wired in, in parallel. A big surge is funneled through it, and they'll eventually burn out ( typically as an open circuit, similar to the way a light bulb will burn out).
by random_walker_77
Mon Nov 20, 2017 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Collection agency calls intended for another person:
Replies: 36
Views: 3126

Re: Collection agency calls intended for another person:

Wrong number calls by a 3rd party collection agency are always a fdcpa violation. I would sue each one and collect a grand plus. If they are calling a cell phone, that can violate the tcpa as well. Stack on another $1500 per call. Instead if complaining about stuff I would make some lemonade from w...
by random_walker_77
Mon Nov 20, 2017 12:11 am
Forum: Investing - Theory, News & General
Topic: AI/Machine Learning/Deep Learning in Investing
Replies: 8
Views: 1174

Re: AI/Machine Learning/Deep Learning in Investing

This is an area of active research and development. On one hand, a lot is being discovered and it's gold rush time to go figure things out before everyone else, but that implies the exact opposite of off-the-shelf tools. If you're versed in deep learning and highly technical, maybe you can figure o...
by random_walker_77
Mon Nov 20, 2017 12:07 am
Forum: Investing - Theory, News & General
Topic: AI/Machine Learning/Deep Learning in Investing
Replies: 8
Views: 1174

Re: AI/Machine Learning/Deep Learning in Investing

Not AI, but to give you an idea of the amount of money at play for a tiny edge in trading, there was news several years back about new internet cables being built at exorbitant cost just to save a few thousandths of a second on transmission latency. For similar reasons, I don't think it's a stretch ...
by random_walker_77
Sun Nov 19, 2017 11:20 pm
Forum: Investing - Theory, News & General
Topic: AI/Machine Learning/Deep Learning in Investing
Replies: 8
Views: 1174

Re: AI/Machine Learning/Deep Learning in Investing

This is an area of active research and development. On one hand, a lot is being discovered and it's gold rush time to go figure things out before everyone else, but that implies the exact opposite of off-the-shelf tools. If you're versed in deep learning and highly technical, maybe you can figure ou...
by random_walker_77
Sat Nov 18, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Voluntary life insurance - how much?
Replies: 10
Views: 1084

Re: Voluntary life insurance - how much?

It's open enrollment period at work and we have the option of purchasing voluntary life insurance at $0.79/month for $10K coverage all the way up to $59.25/month for $750K coverage. How much would you choose and why? What factors would you consider when making your decision? Unless you are old, sic...
by random_walker_77
Sat Nov 18, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or not to buy...house buying question (budget)
Replies: 17
Views: 1973

Re: To buy or not to buy...house buying question (budget)

With a stable income and a hcol, I wouldn't blink an eye if you were planning to buy at 3x your personal income, even with the student debt. That said, I'd also vote for renting a house within the required radius for the next year or two. When you buy, make sure you're ok with staying there at least...
by random_walker_77
Fri Nov 17, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Voluntary life insurance - how much?
Replies: 10
Views: 1084

Re: Voluntary life insurance - how much?

I think there's three parts: Part 1, Do I need life insurance? a) Do I have obligations should I die early? Spouse, kids, debts that I actually care to repay. An example of the latter could be student loans cosigned by your parents -- with private student loans, cosigners can be liable if you die. b...
by random_walker_77
Thu Nov 16, 2017 12:30 am
Forum: Personal Consumer Issues
Topic: Creating External Exhaust for Microwave over Range - Need Reality Check
Replies: 26
Views: 2308

Re: Creating External Exhaust for Microwave over Range - Need Reality Check

Not for the OP, but maybe for other readers, if you're going to replace your hood, consider one of the ones designed for Asian cooking. They've got massive airflow, and can eliminate most smoke and odor even when frying bacon. Something like this https://www.pacairusa.com/mainThisRHProduct.php?Produ...
by random_walker_77
Wed Nov 15, 2017 12:19 am
Forum: Personal Consumer Issues
Topic: places to live near Stanford University
Replies: 35
Views: 3026

Re: places to live near Stanford University

Suggest you rent to see if the job works out and if you can stand living in an area with that level of horrendously high traffic and "too many rats in a cage" population density. If you do like that environment then certainly it would be a good idea to wait until the next downward business cycle th...
by random_walker_77
Tue Nov 14, 2017 11:58 pm
Forum: Investing - Theory, News & General
Topic: Improving returns on total bond market without changing the risk profile
Replies: 8
Views: 1349

Re: Improving returns on total bond market without changing the risk profile

Well, there's a few areas for retail investors where you CAN get more yield with less risk (or at least different). High yield FDIC insured savings accounts vs. t-bills (less liquid in an extreme financial system panic, but 0 duration risk instead of minimal duration risk) Bank or Brokered CDs vs. ...
by random_walker_77
Tue Nov 14, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: Improving returns on total bond market without changing the risk profile
Replies: 8
Views: 1349

Re: Improving returns on total bond market without changing the risk profile

Isn't the fundamental theory that you can't get more reward without taking more risk? That if you somehow found an inefficiency and effectively beat the market by getting more reward for the same risk, then the market is pretty efficient and will tend to self-correct and remove that "free money" and...
by random_walker_77
Mon Nov 06, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3464

Re: Heavy duty cordless drill/hammerdrill recommendation

How's the access? The other approach for sporadic use is to get a 2 ft cheater bar and pipe extension. If you get enough leverage, you can break loose bolts.

The "right" power tool is an impact wrench. There are also corded electric versions...
by random_walker_77
Wed Nov 01, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Car battery?
Replies: 53
Views: 3966

Re: Car battery?

warning: disconnecting your battery not only loses the radio settings, but it loses recent diagnostic data. This means that you can't reconnect and go get emissions testing done in counties where they need to scan for engine codes. It takes several trips before the emissions data is valid. If you're...
by random_walker_77
Wed Nov 01, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Cellphone Battery
Replies: 14
Views: 1470

Re: Cellphone Battery

Options: 1) buy a new battery and swap it in. Cheap from amazon or ebay 2) buy a "charging case" that fits around your phone and has a battery. Meant to act as a battery extender. Also cheap from amazon or ebay example: https://www.amazon.com/mophie-juice-Samsung-Galaxy-300mAh/dp/B00A1PAJZA 3) get b...
by random_walker_77
Tue Oct 31, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 65
Views: 5217

Re: Someone spoofing my phone number?

Neighbor spoofing; here is an NPR Planet Money transcript: http://www.npr.org/2017/07/31/540515367/familiar-looking-numbers-are-the-latest-twist-in-robocalls I remember listening to that podcast -- what a great episode. I particularly liked the part where the Chairman of the FCC got a spoofed call ...
by random_walker_77
Sun Oct 29, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Expat mail forwarding mechanics
Replies: 7
Views: 1084

Re: Expat mail forwarding mechanics

FYI, the RV crowd care a lot about mail forwarding. You might want to poke around there for reviews.
https://www.google.com/amp/www.doityour ... tions/amp/
by random_walker_77
Sun Oct 29, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 20214

Re: Early-retired 35 year old with $1 million

Right now, your human capital is far larger than your investment capital. Retiring throws the human capital out the window and forces you to rely on the investment capital. Don't underestimate how difficult it can be to get back in the labor market. Congratulations on where you've gotten so far, bu...
by random_walker_77
Sun Oct 29, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: Thaler's Misbehaving: The Making of Behavioral Economics - FREE*
Replies: 10
Views: 801

Re: Thaler's Misbehaving: The Making of Behavioral Economics - FREE

I'm seeing the Kindle edition at $10?
Free to "borrow" for prime members

(Thank you for posting this)
by random_walker_77
Sat Oct 28, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 20214

Re: Early-retired 35 year old with $1 million

So call this a sabbatical instead. Recharge, cultivate your network of contacts, and come back to earn another million or two. The first million is the hardest. How easily can you resuscitate your high income? Also, for an extremely early retiree, read up on perpetual withdrawal rate, such as used b...
by random_walker_77
Wed Oct 25, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Hyatt Legal first hand experiences ? (new Employer benefit)
Replies: 14
Views: 1836

Re: Hyatt Legal first hand experiences ? (new Employer benefit)

I used Hyatt for a will and trust. The selection of lawyers is limited, but in a decent-sized city, there's still lots of options. We were happy with the service. That said, I think Hyatt might've come out ahead on the deal. I signed up for nearly 8 years before I actually went and got the will done...
by random_walker_77
Tue Oct 24, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: What information needed for insurance (auto; home; liability) quotes
Replies: 6
Views: 531

Re: What information needed for insurance (auto; home; liability) quotes

They're probably going to want basic info like age, gender, # years of driving experience, accident history, continuity of insurance coverage for last x years. For homeowner's, some structural details like type of siding/roof, # of bathrooms, attached/detached garage etc. Age of house, age of roof, ...
by random_walker_77
Mon Oct 23, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 25
Views: 2276

Re: Which minivan?

Can't really go wrong with either. Test drive both and see how you like them...

With a baby on the way, I highly recommend you get the power sliding doors and power rear hatch.
by random_walker_77
Sun Oct 22, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of converting all my total us stock market funds to target date funds
Replies: 8
Views: 1480

Re: Thinking of converting all my total us stock market funds to target date funds

I have my target date fund in a taxable account only because when I retire I want to have tax free money. I know it contradicts popular opinion on here though. Please explain. In addition to taxes on dividends and distributions along the way, you'll have long term capital gains. I suppose that if y...