Search found 134 matches

by Dyloot
Sun Jan 20, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 40
Views: 1740

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: 40
Views: 1740

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: 40
Views: 1740

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: 40
Views: 1740

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: 40
Views: 1740

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: 5079

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: 177
Views: 9283

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: 1735

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: 602

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: 602

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: 1841

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: 1841

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: 1021

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: 1241

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: 93
Views: 4764

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: 4357

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: 5626

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: 5950

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: 5950

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: 18225

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: 3967

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: 5950

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: 6507

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: 6507

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: 7454

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: 513

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: 9197

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: 9197

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: 9197

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: 950

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: 950

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: 3047

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: 3047

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...
by Dyloot
Sat Feb 24, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should I ask for a larger raise at yearly review?
Replies: 37
Views: 3047

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

How big is your company? I'm a manager at a megacorp and we have about 6 weeks of salary planning to determine raises for thousands of employees. Once the salary plan is set, it is set. We don't communicate raises to employees for at least a month after salary planning is closed (has to go through ...
by Dyloot
Wed Feb 21, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 13350

Re: I'm Cancelling My Home Insurance

So, in October I lost my home in the Northern California fires. There were lots of us--about 5,000 families who lost everything. I didn't read this entire thread, but I'll call out a few things: - If your home is destroyed, where will you stay? Your insurance company will pay to rent you a new home...
by Dyloot
Tue Feb 20, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 13350

Re: I'm Cancelling My Home Insurance

So, in October I lost my home in the Northern California fires. There were lots of us--about 5,000 families who lost everything. I didn't read this entire thread, but I'll call out a few things: - If your home is destroyed, where will you stay? Your insurance company will pay to rent you a new home-...
by Dyloot
Mon Feb 12, 2018 12:36 am
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 55
Views: 6466

Re: Warren Buffett Books

On second thought, I may have to donate The Snowball to our local library. The sheer size and very small print is overwhelming! I did enjoy The Making of an American Capitalist. What else could reading The Snowball provide? I have the same question, more or less. I started reading "Snowball" but st...
by Dyloot
Wed Jan 24, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 19236

Re: Dear wife quits job and now we are down to 1 income

Hi all, First post so please be gentle. Background Info: Me: 41- Income 72k/yr DW: 33- was making 70k/yr. Now 0. Son: 5 months Debt: Mortgage 10 yrs left @3.2%. No other debt. Monthly Expenses: about 5.5k/ month Emergency Fund: 67k in savings earning 0.0000001% DW comes back from 3 month maternity ...
by Dyloot
Thu Jan 11, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: How to learn creative writing?
Replies: 23
Views: 1690

Re: How to learn creative writing?

Please advice as to how to learn creative writing? Any books, online resources? Thank you. John Gardner's Art of Fiction is a classic and used in many creative writing college courses. https://www.amazon.com/Art-Fiction-Notes-Craft-Writers/dp/0679734031 On Writing Well by Zinsser is amazing. The bo...
by Dyloot
Fri Dec 15, 2017 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Wow. Just Wow.
Replies: 29
Views: 5533

Re: Wow. Just Wow.

I don't want to get too specific. I live in a city of 175,000 people. Our county has almost 500,000. Not super podunky. The main city/county newspaper recently published its "Best of County" awards in many categories. Best burger, best garden store ... I'm sure your paper has something very similar...
by Dyloot
Mon Dec 11, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 8083

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

<<Since I graduated with my associate's degree in 2004 at 20 years old, I have worked for 2 other small IT business with less than 30 employees. I am the only employee of my current employer as Systems Engineer for a small IT Managed Services company. I have been with my current employer since Marc...
by Dyloot
Sat Dec 09, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: router - can I set it up myself?
Replies: 15
Views: 1427

Re: router - can I set it up myself?

My techno-competent neighbor who usually "helps" with computer issues is not here right now. I need to buy and set up a new router. Right now running on IS- provided modem and need to add router. I don't want a combo - that's what stopped working a little while back. I've been busy/travelling and c...
by Dyloot
Thu Dec 07, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 8083

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

Where do you live? Are you in HCOL area? How much does a 3-bedroom, 2-bathroom 1,400 square foot starter home cost in your area? I totally agree with all the previous posters who suggested changing jobs. I garnered a 40% raise in my last job change, pushing me over the 100k goal that had alluded me ...
by Dyloot
Fri Nov 24, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: I bought Vanguard Index Funds to get the black friday shopping out of my system
Replies: 17
Views: 1815

Re: I bought Vanguard Index Funds to get the black friday shopping out of my system

I bought Vanguard Index Funds to get the black friday shopping out of my system. Anyone else do the same :P I did! :D True story: I was looking for Apple AirPods on various BF lists yesterday and flipping through streaming apps and ended up on HBO. I settled on the Becoming Warren Buffett documenta...
by Dyloot
Mon Nov 13, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Quick Question [Target 2050 or S&P 500 index for 401k?]
Replies: 6
Views: 1571

Re: Quick Question [Target 2050 or S&P 500 index for 401k?]

Also, I'm maxing out my HSA every year for a family with my employer and they use Bank of America to handle our HSA. So it's 6750. This may need a new thread so sorry for posting this here also, I've just discovered this forum yesterday and I've been browsing through the topics. I'm currently using...
by Dyloot
Sat Nov 11, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Quick Question [Target 2050 or S&P 500 index for 401k?]
Replies: 6
Views: 1571

Re: Quick Question [Target 2050 or S&P 500 index for 401k?]

Hi all, I've been reading through these forums and would like your opinion on my 401k My company uses Vanguard for our 401k and I'm currently in the Target Retirement 2050 Trust Plus. It's current allocation is 1 Vanguard Total Stock Market Index Fund Institutional Plus Shares 54.2% 2 Vanguard Tota...
by Dyloot
Thu Nov 09, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 2598

Re: Should I bail on AT&T and Directv?

You could try out DirectvNow for a free month. If it would work for you then with the ATT discount it would be $10/month. I heard that some DVR functionality is coming to DirectvNow but I really don't know much about it. Just something to look into. I tried DirectvNow via a FireTv with wired Ethern...
by Dyloot
Thu Nov 09, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 2598

Re: Should I bail on AT&T and Directv?

You could try out DirectvNow for a free month. If it would work for you then with the ATT discount it would be $10/month. I heard that some DVR functionality is coming to DirectvNow but I really don't know much about it. Just something to look into. I tried DirectvNow via a FireTv with wired Ethern...
by Dyloot
Thu Nov 09, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 2598

Re: Should I bail on AT&T and Directv?

You could try out DirectvNow for a free month. If it would work for you then with the ATT discount it would be $10/month. I heard that some DVR functionality is coming to DirectvNow but I really don't know much about it. Just something to look into. I tried DirectvNow via a FireTv with wired Ethern...