Search found 151 matches

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: 16557

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: 572

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: 572

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: 572

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: 4989

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: 8969

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: 1145

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: 1828

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: 3820

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: 4268

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: 2449

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: 2449

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: 1216

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: 4225

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: 3659

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: 1198

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: 789

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: 4172

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: 4172

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: 4172

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: 4172

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: 4172

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: 5700

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: 15555

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: 1825

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: 630

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: 630

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: 1957

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: 1957

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: 1103

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: 1322

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: 6265

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: 4502

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: 6107

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: 6376

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: 6376

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: 20592

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...
by Dyloot
Sun May 13, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 36
Views: 4230

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

Another +1 for the Mazda 3. I’ve owned 3 Corollas and test drove what would have been my fourth last October. I was disappointed.

Fell in love with the Touring Mazda 3 on the test drive and have loved driving it every day since. Highly recommend trying it out.
by Dyloot
Sun May 13, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: College laptop for fall 2018 freshman
Replies: 82
Views: 6376

Re: College laptop for fall 2018 freshman

Whatever laptop you pick, make sure it has a Solid State Drive (SSD). It pains me whenever I see someone purchase something new with a magnetic hard drive... they're just so much slower. So many laptops end up getting replaced because of performance issues, and the SSD will help in that from day 1. ...
by Dyloot
Wed May 09, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 7008

Re: How to handle problem employee

Time for a Lunch talk. Get to know each other. Human to human. Both need to eat. Perhaps each of you could learn a lot from each other. There is a word in Hawaiian called, "ho'o mali mali" which roughly means (Hawaiian words have zillions of meanings) "smooth the waters" or "calm the sea", etc, etc...
by Dyloot
Tue May 08, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 7008

Re: How to handle problem employee

I've had this challenge before. I'm sure there are many ways to effectively manage it. He was older, and had 15 years experience at the company to my 3. He was set in his ways and challenged processes and decisions regularly. To be honest, I never "fixed" him. What I focused on instead was building ...
by Dyloot
Sun May 06, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Resignation letter
Replies: 66
Views: 7907

Re: Resignation letter

I would suggest your wife focus on the long-term instead of the short-term. Cashing out vacation is indeed nice, but I'd worry more about her personal brand and leave with her reputation intact. When I was 22, I took a good job--but realized a few weeks in that I couldn't stand my boss. I wrote out ...
by Dyloot
Fri Apr 06, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Streaming TV - list all favorite shows in one place?
Replies: 2
Views: 558

Re: Streaming TV - list all favorite shows in one place?

Apple TV—although it’s not perfect.
by Dyloot
Tue Mar 13, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9486

Re: Finally Cutting the Cord - YouTube TV

Really, we don't need devices (with mechanical hard drives) or cloud storage that can record content. We just need that content to be made available when we watch it. that's just the thing though: w/out a DVR, it might not be available when you want to watch it. Just like how DishNetwork/DirecTV ha...
by Dyloot
Mon Mar 12, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9486

Re: Finally Cutting the Cord - YouTube TV

I have been using sling blue plus Hulu. Hulu acts as our "dvr" for my wife's network tv. Exactly. It's the same thing for my wife--instead of recording This Is Us, she just loads up Hulu when she has time to watch it and starts the episode. The funny thing is, I predict that we're going to need to ...
by Dyloot
Mon Mar 12, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9486

Re: Finally Cutting the Cord - YouTube TV

Just got a month of Direct TV Now and a 4k Fire for ~$3.50 in tax (after a $35 promo credit from Bank of America credit card). Haven't hooked up the Fire TV yet, but Direct TV Now has been fine so far. Moving the family to my own AT&T account will also get us free HBO, and I think save us a bit on ...
by Dyloot
Sat Mar 03, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Comparison of On-Demand TV Provider features
Replies: 13
Views: 1007

Re: Comparison of On-Demand TV Provider features

Really like it but my kids miss HGTV. They mainly watch Disney though and you can order seasons of HGTV shows on Apple TV for much cheaper. My cable bill went from almost $300/mo (6 STB) down to $75 internet and $37/mo YouTube tv. Probably averaging $10//mo in subscribed shows (seasons of house alt...
by Dyloot
Fri Mar 02, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: Comparison of On-Demand TV Provider features
Replies: 13
Views: 1007

Re: Comparison of On-Demand TV Provider features

Apple TV + DirecTV NOW + Hulu + Netflix is solid.

Requires a willingness to learn the UI.
by Dyloot
Sun Feb 25, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a larger raise at yearly review?
Replies: 37
Views: 3229

Re: Should I ask for a larger raise at yearly review?

What would you recommend to those of us who work for megacorps in asking for raises instead of simply being presented with them each year? I'm typically a very positive, happy employee. My main issue with employers is I feel stuck after the contentment of the initial offer wears off. After a few ye...
by Dyloot
Sat Feb 24, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a larger raise at yearly review?
Replies: 37
Views: 3229

Re: Should I ask for a larger raise at yearly review?

" Our company works the same way where when we announce raises to the employees, the bucket has already been divvied up and you get what you get and you don't throw a fit." how it worked in our corp - your 360 reviews were due in early January which is the same time funding amounts became finalized...