Search found 302 matches

by cbr shadow
Wed Jul 01, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord expectations: Rats in the yard
Replies: 66
Views: 4451

Re: Landlord expectations: Rats in the yard

nydoc wrote:
Tue Jun 30, 2020 8:56 pm
Visit NYC. I will take you to A train from uptown to Howard beach. All fear of rats will be gone. It will only cost you $2.75.
This sounds like a real nice trip, but I think I'll pass :-)
by cbr shadow
Wed Jul 01, 2020 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord expectations: Rats in the yard
Replies: 66
Views: 4451

Re: Landlord expectations: Rats in the yard

Thank you everyone for the suggestions. This puts things into perspective a bit. Just a few clarifications: 1) I never thought the tree removal was a real option. It's beautiful and probably over 50 years old. I measured the base of the tree and it's 5 ft DIAMETER (not circumference) and the canopy ...
by cbr shadow
Tue Jun 30, 2020 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord expectations: Rats in the yard
Replies: 66
Views: 4451

Re: Landlord expectations: Rats in the yard

In my area, the county considers rats to be a health hazard and they will put out poison for the rats. Other animals will not eat the poison, it somehow is only appetizing to rats. They take the poison home to their nest and the entire nest is eliminated. The county man checks on the bait and when ...
by cbr shadow
Tue Jun 30, 2020 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord expectations: Rats in the yard
Replies: 66
Views: 4451

Re: Landlord expectations: Rats in the yard

I've recently noticed rats in our backyard scurrying through the trees in the early evening. There are fruit trees along our rear fence and I think they're eating the fruit. I think they're nesting at the top of a giant palm tree in the corner of the yard. They let off a squeal every so often in th...
by cbr shadow
Tue Jun 30, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord expectations: Rats in the yard
Replies: 66
Views: 4451

Re: Landlord expectations: Rats in the yard

All good points and suggestions here. It sounds like having the rats in the yard shouldn't be a big concern unless they come into the house. That's unfortunate since my wife is deathly afraid of them, but hopefully my dogs are more successful in the future in catching them. The dogs are Rottweilers,...
by cbr shadow
Tue Jun 30, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord expectations: Rats in the yard
Replies: 66
Views: 4451

Landlord expectations: Rats in the yard

My wife and i live in a nice suburban area of the Bay Area. We rent a house and have a nice relationship with our landlord. My wife is pregnant with our first and is due in 4.5 months. I've recently noticed rats in our backyard scurrying through the trees in the early evening. There are fruit trees ...
by cbr shadow
Mon May 25, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 88
Views: 5706

New Vehicle: Forester or Rav4 for boglehead couple

My wife and I decided it's time to update our main car. We have our first baby on the way and our current car is older and has a fair amount of miles on it, so I'd like to get something with newer safety features, some convenience features, and less worry about reliability. Here's some info about us...
by cbr shadow
Mon Apr 13, 2020 6:04 pm
Forum: Personal Investments
Topic: ESPP and RSU's after layoff
Replies: 6
Views: 471

Re: ESPP and RSU's after layoff

Thanks everyone for the responses. It sounds pretty clear what we should do!
by cbr shadow
Mon Apr 13, 2020 3:24 pm
Forum: Personal Investments
Topic: ESPP and RSU's after layoff
Replies: 6
Views: 471

ESPP and RSU's after layoff

My wife was laid off of her job after 6 months of employment. She has some vested RSU's and some ESPP (Employee Stock Purchase Plan) shares of the company. We're wondering what to do with these shares now. - Does she have to exercise her RSU shares? - Does she have to sell off her ESPP shares? - SHO...
by cbr shadow
Mon Apr 13, 2020 1:40 pm
Forum: Personal Investments
Topic: My 401k Still Worth Contributing to?
Replies: 12
Views: 1060

Re: My 401k Still Worth Contributing to?

Have a feeling our 401k match is going to be paused this week, which would be a bummer. I'll keep contributing but I also don't have high fees (range from .015 to .035). The fees we're charged aren't just the expense ratio of the fund, but management fees by NewportGroup, as well as another company...
by cbr shadow
Mon Apr 13, 2020 1:13 pm
Forum: Personal Investments
Topic: My 401k Still Worth Contributing to?
Replies: 12
Views: 1060

Re: My 401k Still Worth Contributing to?

Thanks for the responses. I do have a traditional IRA currently. I am married, but my wife was laid off last week and was making significantly higher salary than I make. She's in a hot field though, so I do think she'll find a job. We live off of my income alone so I'm not super worried about that. ...
by cbr shadow
Mon Apr 13, 2020 10:47 am
Forum: Personal Investments
Topic: My 401k Still Worth Contributing to?
Replies: 12
Views: 1060

My 401k Still Worth Contributing to?

I work for a small company in Silicon Valley who is being hit hard by the economic slowdown as they're closely tied to the construction industry. I'm contracted out to another company, and my current contract lasts another 2 years, so there's almost zero chance of me getting laid off. There have bee...
by cbr shadow
Wed Dec 18, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Airpods Pro sold out for Christmas
Replies: 35
Views: 3404

Re: Airpod 2 sold out for Christmas

I think you mean that the AirPods Pro that came out in late 2019 are sold out. Apple hasn't officially called anything AirPods 2, but people have used that name for AirPods with Wireless Charging Case, which came out after the original AirPods. Neither the original nor the AirPods with Wireless Cha...
by cbr shadow
Mon Nov 04, 2019 2:19 pm
Forum: Personal Investments
Topic: 37 yr old check-in/quick question
Replies: 10
Views: 1335

Re: 37 yr old check-in/quick question

I apologize if it’s seen as a brag thread. I know my net worth is largely driven by some lucky career compensation increase, a huge bull market we’ve had as my career developed and the boglehead approach to investing - i.e. not much that should be attributed to my own doing. I really wasn’t sure ho...
by cbr shadow
Tue Oct 29, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

Re: California Fires: Landlord/Tenant Question

The reasonableness standard, to me here, is, what control does the landlord have over any natural disaster, wildfire, or any decision a power company make due to a wildfire?.... If the answer is none, they have no responsibility to financially compensate the renter. If the landlord screwed up, cut ...
by cbr shadow
Tue Oct 29, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

Re: California Fires: Landlord/Tenant Question

All fair points. I do understand that the landlord isn't he tenant's electricity provider. A poster above added a link showing there's legal precedent for not paying rent if you don't have power. They consider the place "unlivable" without power. I'm not sure how California handles that though, sin...
by cbr shadow
Tue Oct 29, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

Re: California Fires: Landlord/Tenant Question

Where is this that the heat outage makes it too cold? How cold are we talking? Low 40's at night. Someone here might say "throw on a sweater" but they have a newborn baby in the poorly insulated house. They're on a cliff side where fog rolls through. I went into their house at 10:00AM and it was so...
by cbr shadow
Tue Oct 29, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

Re: California Fires: Landlord/Tenant Question

My thought being that I'm guaranteed access to electricity living in this house. You think all renters are "guaranteed" access to electricity by the landlord? How could a landlord possibly guarantee this, short of having their own on-site power generation equipment? A critical flaw to your argument...
by cbr shadow
Tue Oct 29, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

Re: California Fires: Landlord/Tenant Question

I'm guessing a full review of the lease agreement is necessary. I just don't understand why the landlord should not get any risk, but the tenants take on all risk of the fires or power outages. If the lease says that the house has grid power, but now that power is turned off, is a rent discount in ...
by cbr shadow
Tue Oct 29, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

Re: California Fires: Landlord/Tenant Question

Yikes, I didn't think this would strike a nerve. I'm asking the question out of curiosity, I'm not your tenant pushing back on the rent of one of your rentals. Based on the responses so far I'm guessing the answer to ""Am I out of line in thinking this?" is yes. I don't think it's out of line. What...
by cbr shadow
Tue Oct 29, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

Re: California Fires: Landlord/Tenant Question

LL not responsible for power grid. In my state landlord IS responsible for: "The landlord must provide running water, reasonable amounts of hot water and reasonable heat. landlord must keep in reasonably good and safe working order and condition all electrical, gas, plumbing, sanitary, heating, ven...
by cbr shadow
Tue Oct 29, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

Re: California Fires: Landlord/Tenant Question

Based on the responses so far I'm guessing the answer to ""Am I out of line in thinking this?" is yes. You have accurately assessed the answers. To help with a logical analogy, assume an explosion at a substation took out power to your friends house. Do you think they'd be entitled to a rent reduct...
by cbr shadow
Tue Oct 29, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

Re: California Fires: Landlord/Tenant Question

LL doesn't provide the power. The utility company does. Utility Co shuts off power: the renter, LL and everyone else in that area is out of luck. In this case the LL isn't out of luck at all. They are still getting uninterrupted rent on the home. LL could own and live in the same affected community...
by cbr shadow
Tue Oct 29, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

Re: California Fires: Landlord/Tenant Question

If you sold your house, and then PG&E kept cutting power, would you give the buyer money back? If not, how is renting any different? No I wouldn't.. but I don't think that's a reasonable example. If I sold my house and later the roof had a leak I wouldn't cover it, but a landlord would cover it. Th...
by cbr shadow
Tue Oct 29, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

Re: California Fires: Landlord/Tenant Question

surfstar wrote:
Tue Oct 29, 2019 12:54 pm
LL doesn't provide the power. The utility company does.

Utility Co shuts off power: the renter, LL and everyone else in that area is out of luck.
In this case the LL isn't out of luck at all. They are still getting uninterrupted rent on the home.
by cbr shadow
Tue Oct 29, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

Re: California Fires: Landlord/Tenant Question

I live in Northern California but I'm not directly affected by the fires or the power outages. We happen to live in an area that isn't at risk, right near San Francisco. A couple that we are good friends with have a newborn baby and live in an area where the power was shut off. It gets too cold at ...
by cbr shadow
Tue Oct 29, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: California Fires: Landlord/Tenant Question
Replies: 71
Views: 4777

California Fires: Landlord/Tenant Question

I live in Northern California but I'm not directly affected by the fires or the power outages. We happen to live in an area that isn't at risk, right near San Francisco. A couple that we are good friends with have a newborn baby and live in an area where the power was shut off. It gets too cold at n...
by cbr shadow
Tue Oct 01, 2019 12:04 pm
Forum: Investing - Theory, News & General
Topic: Wife's 401k, Principal to Principal?
Replies: 5
Views: 487

Re: Wife's 401k, Principal to Principal?

C) leave the old one at Principal and retain two accounts. If the funds are reasonable in the new account, I would roll over into the new 401(K) to reduce any IRA balances for future backdoor Roth IRA conversions. If the options stink, then rollover to a Vanguard Rollover IRA. Personally, I would n...
by cbr shadow
Tue Oct 01, 2019 11:46 am
Forum: Investing - Theory, News & General
Topic: Wife's 401k, Principal to Principal?
Replies: 5
Views: 487

Wife's 401k, Principal to Principal?

My wife worked for a company who did their 401k through Principal. She has about $185k in it. She recently switched to a new company (started yesterday) and the new company also uses Principal for their 401k. Does she have options for what to do here? I imagine she can either: A) Roll her old 401k i...
by cbr shadow
Fri Sep 20, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 269
Views: 28202

Re: IT compensation comparison

I work at one of the major tech companies mentioned in this post, and I agree with other posters that "IT" is different than "Software Engineer" in Silicon Valley. Here we have relatively new software engineers making $250k+, but also have low level IT workers (IT helpdesk) making $85k after 3 years...
by cbr shadow
Wed Sep 18, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 95
Views: 9903

Re: Best places to live to raise a family (cost doesn't matter)

If you dont mind VHCOL, or you work in tech, Northern California is just an incredible place to live. Mild weather all year, tons of things to do culturally, endless outdoor activities (some of the best cycling in the world), San Francisco, San Jose both close by, great schools available, very diver...
by cbr shadow
Mon Sep 09, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Hard Life Changes - Help With Looking For Employment After 10 Years
Replies: 48
Views: 6103

Re: Hard Life Changes - Help With Looking For Employment After 10 Years

It sounds like you're in a pretty good position. You have some savings/income that will hold you over so you're not in a hurry, you have a degree and a rare skill set, and you live in SoCal when the job market is just booming. I don't have any specific advice other than don't be too hard on yourself...
by cbr shadow
Wed Sep 04, 2019 3:26 pm
Forum: Investing - Theory, News & General
Topic: Pre-IPO trading vs. IPO value
Replies: 11
Views: 699

Re: Pre-IPO trading vs. IPO value

Options in a company that has already experienced significant growth (as I assume this has, given that it will IPO soon) are not a great perk, as they are unlikely to be worth much without continued growth (and could be worthless). One nice thing though is that she will not have to worry about deci...
by cbr shadow
Wed Sep 04, 2019 1:14 pm
Forum: Investing - Theory, News & General
Topic: Pre-IPO trading vs. IPO value
Replies: 11
Views: 699

Re: Pre-IPO trading vs. IPO value

... I see online that the "Pre-IPO shares" are trading for $21/share. Is this indicative of what the shares will trade for once/if they IPO? ... No it is not. It may be but prices can swing widely based on numerous factors related directly to the company, the industry, the general economy, the deat...
by cbr shadow
Wed Sep 04, 2019 12:37 pm
Forum: Investing - Theory, News & General
Topic: Pre-IPO trading vs. IPO value
Replies: 11
Views: 699

Pre-IPO trading vs. IPO value

My wife is getting an offer from a startup that is rumored to have an IPO coming very soon. I realize this isn't a guarantee, but exciting nonetheless. As part of her compensation they've given her a "strike price" for a certain number of shares. I'm still learning about what all of this means, but ...
by cbr shadow
Fri Aug 30, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Manager is Interviewing Candidates (External) before Job is posted
Replies: 57
Views: 6087

Re: Manager is Interviewing Candidates (External) before Job is posted

If you think initiating legal action against your current manager is going to get you an interview that results in your hire, well, I don’t even know what to say. I'm not sure why people want to pile on about this - it's already been addressed and he responded to the feedback. Sometimes I think res...
by cbr shadow
Fri Aug 30, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Minimum to keep in checking account?
Replies: 40
Views: 3559

Re: Minimum to keep in checking account?

It sounds like I'm in the minority here. I keep $20k in my checking account which also serves as an 'emergency fund'. Anything over $20k at the end of the month gets moved to the taxable account. We don't have a savings account as I found the rules about minimums and number of transfers to be more p...
by cbr shadow
Fri Aug 23, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Manager is Interviewing Candidates (External) before Job is posted
Replies: 57
Views: 6087

Re: Manager is Interviewing Candidates (External) before Job is posted

If you think initiating legal action against your current manager is going to get you an interview that results in your hire, well, I don’t even know what to say. I'm not sure why people want to pile on about this - it's already been addressed and he responded to the feedback. Sometimes I think res...
by cbr shadow
Wed Aug 14, 2019 11:20 am
Forum: Personal Investments
Topic: Is a Backdoor Roth worth it in our situation?
Replies: 26
Views: 1495

Re: Is a Backdoor Roth worth it in our situation?

Your post is interesting. Given your high income I tend to think both of you are readily employable, so I really would consider looking for a new job with a company that doesn't have a 401K plan that sucks. .... I think your real issue is your current employer's 401K plan. There are a lot of factor...
by cbr shadow
Wed Aug 14, 2019 11:13 am
Forum: Personal Investments
Topic: Is a Backdoor Roth worth it in our situation?
Replies: 26
Views: 1495

Re: Is a Backdoor Roth worth it in our situation?

My wife and I are both 35 years old and haven't contributed to a Roth IRA in several years since our salaries are too high to do a standard Roth IRA contribution. We have the option of doing a "Backdoor Roth IRA Contribution" except we both have rollover IRA's from previous employer 401k's. Those r...
by cbr shadow
Wed Aug 14, 2019 11:11 am
Forum: Personal Investments
Topic: Is a Backdoor Roth worth it in our situation?
Replies: 26
Views: 1495

Re: Is a Backdoor Roth worth it in our situation?

Both of our employer's 401k plans allow for us to move our rollover IRA's into the 401k's, but the 401k's have about 1% expense total. Compare that to the VTSAX Admiral's expense ratio under 0.1%. Our rollover IRA accounts don't have a ton in them (mine is $75k, hers is $20k). This is a question fo...
by cbr shadow
Tue Aug 13, 2019 6:27 pm
Forum: Personal Investments
Topic: Is a Backdoor Roth worth it in our situation?
Replies: 26
Views: 1495

Re: Is a Backdoor Roth worth it in our situation?

luminous wrote:
Tue Aug 13, 2019 6:22 pm
Absolutely worth it. You’ll be paying $81/year to shelter $12k/year.
Can you share how you did that math?
1% of $70,000 = $700
1% of $20,000 = $200
--
Total = $900

Not being a jerk, but want to know if I'm not thinking of this correctly.
by cbr shadow
Tue Aug 13, 2019 6:18 pm
Forum: Personal Investments
Topic: Is a Backdoor Roth worth it in our situation?
Replies: 26
Views: 1495

Is a Backdoor Roth worth it in our situation?

My wife and I are both 35 years old and haven't contributed to a Roth IRA in several years since our salaries are too high to do a standard Roth IRA contribution. We have the option of doing a "Backdoor Roth IRA Contribution" except we both have rollover IRA's from previous employer 401k's. Those ro...
by cbr shadow
Tue Jul 16, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: College cost prediction and savings for 5, 3, and newborn
Replies: 102
Views: 6748

Re: College cost prediction and savings for 5, 3, and newborn

There very well could be a revolution in education coming. DS is currently taking a couple summer courses at his expensive private college and because the schedules make his classes overlap, he's taking one as an online course. This has become a near standard at his college, where students can watc...
by cbr shadow
Fri Jul 05, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: 50-60k boat purchase??
Replies: 84
Views: 6652

Re: 50-60k boat purchase??

ohai wrote:
Fri Jul 05, 2019 5:15 pm
OP, you really came to a website like this and expected people to approve of you buying a $60k boat?
You really posted that comment after several people in the thread DID approve his purchase? :-)
by cbr shadow
Fri Jul 05, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: 50-60k boat purchase??
Replies: 84
Views: 6652

Re: 50-60k boat purchase??

<duplicate post>
by cbr shadow
Wed Jul 03, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: 30 y/o financial check up. How am I doing? Can I buy a model 3 performance?
Replies: 57
Views: 4463

Re: 30 y/o financial check up. How am I doing? Can I buy a model 3 performance?

These "Can I afford it" threads are always strange and probably not especially helpful since it's very subjective. If you posted on Reddit Finance people would say you could 100% afford it. Here at Bogleheads people would say you should have $1M net worth, no debt, big emergency fund, fully funded r...
by cbr shadow
Wed Jun 26, 2019 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Considering adding second level to house [Bay Area]
Replies: 40
Views: 3468

Re: Considering adding second level to house [Bay Area]

It can be a good idea for rental income but you need to work on your definition of free... That's like saying I can buy a 1 million dollar house but because it's worth 1 million dollars, it's free. $400k will move from my checking account to my home equity. My net worth stays the same, and I get to...
by cbr shadow
Thu Jun 13, 2019 6:19 pm
Forum: Personal Investments
Topic: Does tuning out mean missing out?
Replies: 23
Views: 3720

Re: Does tuning out mean missing out?

I've generally settled on paying for simplicity. This means cheap target funds in the 401ks (.11 and .14 ER), and vtwax in Roth, 529, and taxable accounts. Maybe Facebook will become a trillion dollar advertising company and I'll lose out on some US gains, but i prefer to just keep things simple an...
by cbr shadow
Thu Jun 13, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of becoming an independent contractor
Replies: 37
Views: 3425

Re: Benefits of becoming an independent contractor

If you gross $180k as an independent contractor, you won't be able to, nor will you want to, have a salary of $180k. Let's say your salary is $100k. Your business account would look something like this: Salary: $100k Employer 401k: $25k (25% of salary up to $56k total employer + employee) Employer ...