Search found 164 matches

by Dyloot
Sun Apr 26, 2020 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8076

Re: Payoff house and quit good-paying job?

OP-- As another poster mentioned, this does sound a bit like burnout. When I was in my late twenties, my original career was causing me incredible stress and not paying nearly enough to justify it. I started looking at ways out, including a few jobs I considered 9-5 low-stress that would pay some bi...
by Dyloot
Fri Feb 07, 2020 11:06 pm
Forum: Personal Investments
Topic: 26 years old and don't know what to do next
Replies: 32
Views: 2452

Re: 26 years old and don't know what to do next

For a general overview, I’d recommend reading Bogle’s book. It’s a quick read if you’re interested in the topic. The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns (Little Books. Big Profits) https://www.amazon.com/dp/1119404509/ref=cm_sw_r_c...
by Dyloot
Tue Feb 04, 2020 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: 22 year old - Should I focus more on saving for a house or retirement?
Replies: 41
Views: 3166

Re: 22 year old - Should I focus more on saving for a house or retirement?

If it were me, knowing what I know now, I’d open the Roth IRA tomorrow and set the $500 monthly purchase of VTSAX. I’d bump the 401k contribution up enough to max out the annual 19k. And then I’d adjust my lifestyle to having less money each month. It won’t be long until you don’t even notice the d...
by Dyloot
Tue Feb 04, 2020 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: 22 year old - Should I focus more on saving for a house or retirement?
Replies: 41
Views: 3166

Re: 22 year old - Should I focus more on saving for a house or retirement?

If it were me, knowing what I know now, I’d open the Roth IRA tomorrow and set the $500 monthly purchase of VTSAX. I’d bump the 401k contribution up enough to max out the annual 19k. And then I’d adjust my lifestyle to having less money each month. It won’t be long until you don’t even notice the d...
by Dyloot
Tue Feb 04, 2020 3:13 am
Forum: Personal Finance (Not Investing)
Topic: 22 year old - Should I focus more on saving for a house or retirement?
Replies: 41
Views: 3166

Re: 22 year old - Should I focus more on saving for a house or retirement?

If it were me, knowing what I know now, I’d open the Roth IRA tomorrow and set the $500 monthly purchase of VTSAX. I’d bump the 401k contribution up enough to max out the annual 19k. And then I’d adjust my lifestyle to having less money each month. It won’t be long until you don’t even notice the di...
by Dyloot
Sun Feb 02, 2020 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Am I already out of luck? (Career advice)
Replies: 26
Views: 4070

Re: Am I already out of luck? (Career advice)

I'm older and I don't have a Computer Science degree. I do have a BS degree in something that was called "information Technology" it's basically "humanities courses" combined with programming/database courses. I also have associates degrees in Accounting and Business. I'm not sure what "Computer Sc...
by Dyloot
Sun Feb 02, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Am I already out of luck? (Career advice)
Replies: 26
Views: 4070

Re: Am I already out of luck? (Career advice)

I see nearly limitless opportunity in Software. I have been in this field for my entire career, 20 years, with no plans to change anytime soon. Here is my background which hopefully provides some inspiration for you: - Graduated with a 2.8 GPA from an unknown state university. I have no idea what i...
by Dyloot
Fri Jan 17, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: Mazda CX-5 - seat comfort question?
Replies: 41
Views: 3321

Re: Mazda CX-5 - seat comfort question?

Hi BH's, I am starting to do some research on new cars in this class. Many BH's speak highly of the Mazda CX-5. I'm thankful to the BH community since there is so much collective wisdom here outside of investments! I probably wouldn't have considered Mazda if it wasn't for BH's. On a Mazda forum, h...
by Dyloot
Sun Nov 17, 2019 11:52 pm
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 31
Views: 2470

Re: Another Laptop Question

Hello, I have an HP Pavilion Laptop "Entertainment PC" that is about 10 years old with: - Windows Vista OS - Intel Core 2 Duo CPU, T7250 @ 2.00GHz - 4 GB RAM - NVIDIA GeForce 8400M GS - Upgraded with a Samsung SSD 840 EVO 250G hard drive I have never had any problems with it, but the OS is now obso...
by Dyloot
Tue Oct 22, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 11743

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

Apple got there first. The product line has been straight-forward and easy to understand. They produce the hardware, and the hardware has always been impressive. They have maintained quality. The UI is rigid, but easy to use. The software available on the platform is rich and diverse. They've surrou...
by Dyloot
Sun Sep 15, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 34507

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

According to the Census, here are some top occupations of Pleasanton residents: 1. Management (20%) 2. Computer & mathematical (11%) 3. Business & financial operations (8%) 4. Architecture & engineering (6%) 5. Health diagnosing & treating practitioners (4%) Those add up to almost 50% of the workfo...
by Dyloot
Sun Sep 15, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 34507

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

I've enjoyed this thread quite a bit. I'm also a father of a young child with a SAHW. I make about the same as you do. I also benefited from a home purchase around the same time period, although I live in cheaper part of the Bay Area so the buy-in price and current value are a bit less. I pay far mo...
by Dyloot
Tue Aug 20, 2019 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7803

Re: Moving from Bay area, CA to Knoxville, TN

Congrats on the job offer! I live in the Bay Area. I know nothing of Knoxville, but it sounds like many here consider it an amazing place. Some thoughts: 1) A few have asked about your career. What are your prospects if you move there and hate the job? Are you confident you'll easily recover with a ...
by Dyloot
Mon Jul 08, 2019 11:54 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 18643

Re: what was your worst major purchase mine is a 2019 mazda3

Oddly enough, I think my 2018 Mazda 3 was one of the better car purchases I ever made. +1. Got a killer deal thanks to the new 2019 design too. Never would've bought a brand new car otherwise (it was cheaper than any used ones on the market with low miles). Was a 1-1 swap more or less with my 60K m...
by Dyloot
Sun Jul 07, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Home loan questions (how much down, points)
Replies: 9
Views: 709

Re: Home loan questions (how much down, points)

Thanks all! I appreciate the insights!
by Dyloot
Sun Jul 07, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Home loan questions (how much down, points)
Replies: 9
Views: 709

Re: Home loan questions (how much down, points)

OP, California is a non-recourse loan state. Put 20% down on a 30 years fixed rate mortgage. Use the rest of the money to pay off the car loans if you want less debt. << to pay it off in the next 20 years. >> Unless you have no kids and you do not plan to pay for your kids' college education, why i...
by Dyloot
Sun Jul 07, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Home loan questions (how much down, points)
Replies: 9
Views: 709

Home loan questions (how much down, points)

I'm looking for some advice on how to structure a home loan I plan to lock in the coming week. I live in a HCOL area in California. The home I'm about to purchase (a 3 bed/2 bath, 1600 single family home) is expected to appraise around $600,000. I'll be purchasing this property from a parent for 350...
by Dyloot
Fri Jun 14, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should I call it quits?
Replies: 23
Views: 5135

Re: Should I call it quits?

I assume there are lots of opportunities for a web developer. If it’s time to move on, I’d pivot, learn something new and exciting, and cultivate a new gig (or gigs).
by Dyloot
Wed May 08, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 9503

Re: Anyone else looking forward to Game of Thrones?

I thought this past episode (S08E04) was terrible. If the next episode is as bad (I don't see how it could be better after what they have done) I am not sure I will even want to even finish the series. Kind of sad because this was my favorite show. At least now I will be motivated to read the books...
by Dyloot
Mon Apr 08, 2019 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding my home insurance policy
Replies: 12
Views: 1317

Re: Understanding my home insurance policy

Hi, I bought a house last year, and I got home insurance policy through Geico with as high coverage as I can get. I already had my car insurance through them, and I just wanted to eliminate one decision point during that stressful closing time. Now my policy is up for renewal in a month, and I want...
by Dyloot
Wed Apr 03, 2019 7:20 am
Forum: Personal Investments
Topic: 24 year old making first Roth IRA account. What do you guys think of these portfolios?
Replies: 24
Views: 1990

Re: 24 year old making first Roth IRA account. What do you guys think of these portfolios?

Let me preface this by saying I know very little about this topic, I just started researching it a few weeks ago, but it looks pretty interesting. I'm 24 and I plan on maxing out the Roth IRA with Vanguard every year from now. I will be putting in 6k which is the max for this year. At my age, I am ...
by Dyloot
Wed Mar 20, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should we have renters insurance?
Replies: 68
Views: 4451

Re: Should we have renters insurance?

I lost my home in the Northern California Tubbs Fire in October 2017. Renters without renter’s insurance were absolutely screwed. Lost their home, their stuff, and had to find a new place to live. Sure, the chance of it happening to you is likely very small. Until it does happen to you. I’d recommen...
by Dyloot
Tue Mar 05, 2019 6:32 pm
Forum: Personal Investments
Topic: Time to sack Warren Buffett?
Replies: 41
Views: 4614

Re: Time to sack Warren Buffett?

Instead of sacking him, I’d recommend taking advantage of all the indoor hours this winter and read one of his biographies. https://www.amazon.com/Snowball-Warren-Buffett-Business-Life/dp/0553384619/ref=sr_1_1?crid=14OFGWR72N4RU&keywords=the+snowball+warren+buffet&qid=1551828399&s=gateway&sprefix=Th...
by Dyloot
Thu Feb 28, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move to a high cost of living area?
Replies: 48
Views: 2597

Re: Should I move to a high cost of living area?

What appeals to you about the Bay Area? Are any of those things available elsewhere? I live in SoCal and spend plenty of time up north and in my view, the day that I leave this money grubbing state behind can’t come soon enough. Sure there is beautiful scenery with great national parks and skiing. ...
by Dyloot
Thu Feb 28, 2019 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move to a high cost of living area?
Replies: 48
Views: 2597

Re: Should I move to a high cost of living area?

I currently live in a moderate cost of living area of the country but have a job offer to move to a suburb of the Bay Area in Marin County. Various cost-of-living "calculators" estimate a 50% increase in expenses overall. The major expense is housing; equivalent real estate is approximately double ...
by Dyloot
Wed Feb 27, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: specs needed for laptop
Replies: 24
Views: 1369

Re: specs needed for laptop

The HP from Costco looks fine. The i5 CPU is recent, and it looks like it has 4 Cores and hyper-threading, so you'll have 8 total threads. Probably way more than you need. https://www.intel.com/content/www/us/en/products/processors/core/i5-processors/i5-8265u.html The laptop comes with 8GB of memory...
by Dyloot
Sat Feb 23, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ring Shopping
Replies: 82
Views: 4742

Re: Ring Shopping

Spending $20 - $30k on a ring is simply nutso. Spending $1 million on a house is simply nutso. Spending $50,000 on a car is simply nutso. Spending $25,000 on a wedding is simply nutso. Spending $5,000 on a family vacation is simply nutso. We all could probably list out hundreds of examples of nutso...
by Dyloot
Sat Feb 16, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help with difficult work situation
Replies: 48
Views: 3942

Re: Help with difficult work situation

I've been on the opposite side of this situation. My colleague, another senior on the team, was after the promotion but I was ultimately selected. We didn't interview for the job--I was pulled aside by my director and told I was being given the opportunity. It was a huge shock for my colleague, who ...
by Dyloot
Sat Feb 09, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Amazon third-party item received damaged. No recourse?
Replies: 9
Views: 1314

Re: Amazon third-party item received damaged. No recourse?

This is why 90% of my online purchases are made with Amazon. There's such an amazing safety net built in to the entire process. I've only had one problem in the past year, and in the end the third-party seller refunded my money and sent me an upgraded item as a replacement for what I actually purcha...
by Dyloot
Thu Feb 07, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: Laptops - swapping hard drives
Replies: 18
Views: 855

Re: Laptops - swapping hard drives

I’ve swapped out a half dozen hard drives in workstations running Windows 10 and installed a fresh copy of the OS with no issue at all in the past year. I skip the serial number question on setup and the OS activates just fine. No cloning, no logging into an MS account. It just works. Not sure what ...
by Dyloot
Sun Jan 20, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 63
Views: 4470

Re: Evaluating Job Offer - Longer Commute

People are underestimaging the cost of the commute. The federal mileage reimbursement rate for 2019 is $0.58. That’s a pretty good proxy for car expenses. At 100 miles per day, plus $12/day for tolls, it’s more like $15,000/year in car expense. Never mind the pain of a long commute and how much OP’...
by Dyloot
Sun Jan 20, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 63
Views: 4470

Re: Evaluating Job Offer - Longer Commute

At my current job, I cannot do any other work. Any other income has to be approved by the company. What? Can you explain this? From my perspective, a job change requires more money, improved quality of life, or title. I don't see any of those in your statements. Lot's of employers are concerned wit...
by Dyloot
Sun Jan 20, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 63
Views: 4470

Re: Evaluating Job Offer - Longer Commute

People are underestimaging the cost of the commute. The federal mileage reimbursement rate for 2019 is $0.58. That’s a pretty good proxy for car expenses. At 100 miles per day, plus $12/day for tolls, it’s more like $15,000/year in car expense. Never mind the pain of a long commute and how much OP’...
by Dyloot
Sun Jan 20, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 63
Views: 4470

Re: Evaluating Job Offer - Longer Commute

Work from home is a huge asset. With those two hours a day, you can be building your own-side business or fulfilling other avenues if you are a little bored at work. +1, That's what I did, builded my own side business and it ended up making many more times than my megacorp income. YMMV Or going to ...
by Dyloot
Sun Jan 20, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 63
Views: 4470

Re: Evaluating Job Offer - Longer Commute

Positives 1. Great opportunity 2. Work you're interested in 3. Bump in pay 4. Escape from a situation you're not happy with Negatives 1. WFO vs. 45 minute commute trade off 2. Opposite direction of SO 3. Adding serious miles to your car At 30 with no kids, I think you take that job and see where it ...
by Dyloot
Sun Jan 20, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 6343

Re: Is California worth the premium?

I am originally from California (Bay Area) and am seriously considering moving back. My entire family lives there, and I find myself missing it on a regular basis. I currently live out of state with a lower COL. I wouldn't need an "ideal" location like Santa Barbara, I feel there are just so many w...
by Dyloot
Sat Jan 05, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 217
Views: 17261

Re: Which Compact SUV Should I Buy?

2019 Mazda CX-5. Highly rated. It is pretty luxurious in the highest trims with not quite the luxury price. More fun to drive than Hyundai, Toyota, Honda. You aren't getting any compact SUV in your price range ($10k+ $20k-$30k) in the luxury brands unless it is used and several years old. I have a ...
by Dyloot
Sun Dec 16, 2018 2:32 am
Forum: Personal Consumer Issues
Topic: Raspberry pi or starting an 11 year old with programming
Replies: 21
Views: 2028

Re: Raspberry pi or starting an 11 year old with programming

I’ve heard good things: https://scratch.mit.edu/

I got my first taste of coding in middle school on Apple 2Es running LOGO. I’ve heard from friends that their kids are getting their feet wet with Scratch. I plan to show it to my daughter when she gets a bit older.
by Dyloot
Sun Nov 25, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Holiday Gift dilemma
Replies: 9
Views: 676

Re: Holiday Gift dilemma

RickBoglehead wrote:
Sun Nov 25, 2018 12:53 pm
We don't exchange gifts. Stopped it many years ago, tired of the "what do you want". To give someone $50 and they give you $50 is nonsensical. Kids get gifts. When they turn 18, they're done too.
Exactly.
by Dyloot
Sun Nov 25, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Holiday Gift dilemma
Replies: 9
Views: 676

Re: Holiday Gift dilemma

Ok, so I'm finding this amusing because it involves my wife and her family rather than me. :P We all exchange gifts at Christmas. Generally things that are specific to interests, hobbies, or a specific need, etc are common. We generally keep it to $50 or so and try to make it thoughtful. So my wife...
by Dyloot
Wed Nov 07, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: College graduation gift amount
Replies: 25
Views: 2111

Re: College graduation gift amount

I’m not sure this forum is the best place to ask about gifts to children (or anyone else). :) Actually, I totally disagree. In general, the threads on this forum about gift-giving absolutely blow me away; as in the posters on this board tend to be far more "charitable" when it comes to gifting for ...
by Dyloot
Wed Nov 07, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: College graduation gift amount
Replies: 25
Views: 2111

Re: College graduation gift amount

I’m not sure this forum is the best place to ask about gifts to children (or anyone else). :)

What’s next for your child? Will they need something expensive for the next stage of their life?
by Dyloot
Sat Nov 03, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Migrating Win 10 to SSD
Replies: 14
Views: 1182

Re: Migrating Win 10 to SSD

Hi fellow Bogleheads I'm looking for some good advice about transitioning my current Win 10 setup over to an SSD drive (on the same computer) for increased speed. My computer is a recent vintage (2014) Dell with both a 1TB spinning drive and an existing 120GB SSD drive that both work fine. The syst...
by Dyloot
Tue Oct 23, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Apple TV vs Roku
Replies: 14
Views: 1376

Re: Apple TV vs Roku

DirecTV Now can record on Apple TV, although it’s a new feature and still in what they call Beta (but still available in the general release app). I haven’t checked if it’s in the Roku version, but I assume it is. Switching from a DVR cable box to an Apple TV is a perspective shift. Instead of recor...
by Dyloot
Fri Jul 13, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 109
Views: 6716

Re: Advice on IT Certification program

I transitioned from journalism (which is what I studied in college) to IT in my late 20s. Best professional decision I ever made. Why networking? Does it fascinate him? Or does it just pass the sniff test of an impressive sounding job in the IT field? He can build networks, for free, this weekend. C...
by Dyloot
Sun Jul 08, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: WiFi router
Replies: 46
Views: 4924

Re: WiFi router

Speed-wise, just about any new wifi router will provide what you need. Getting 2400 sq ft, 3 floor coverage including some outside is asking a LOT of a single wireless AP regardless of brand or price point. I'm guessing your existing router just doesn't provide the coverage you're looking for, as i...
by Dyloot
Fri Jul 06, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 6655

Re: How do normal people afford the Bay Area?

I'd say that usually this forum does a great job of not letting political biases mix with Boglehead topics. Some of the posts I'm reading smack a little of anti-California perspectives. I mean... really? Normal people don't live in the Bay Area? What exactly is that supposed to mean? You want to kno...
by Dyloot
Tue May 15, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 6949

Re: College laptop for fall 2018 freshman

Unfortunate to see a lot of Apple ignorance here. Are they the absolute best? No, but some of the "claims" made in this thread are just silly. That being said, first I would check with the department to see if they have recommendations. If not, I would get a MacBook Pro. Remember, you can run MacOS...
by Dyloot
Tue May 15, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 6949

Re: College laptop for fall 2018 freshman

That's actually not the case, while Macbooks are remaining popular with people invested in the Apple ecosystem the premium Windows laptops such as Spectre, Dell XPS, and Microsoft's Surface Books all match or out perform the Macbook with just as good or better build quality often at $750 to $1,000 ...
by Dyloot
Mon May 14, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 60
Views: 23039

Re: Stopping unwanted "junk" newspaper

My first career was in journalism, and I once worked for a newspaper that delivered copies free to everyone--whether they liked it or not. We'd get requests to stop, and the publisher would attempt to make the papers stop. But the company we hired to distribute the paper didn't have a system that wa...