Search found 2537 matches

by TheEternalVortex
Sun Apr 26, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 434
Views: 74823

Re: Good Modern Science Fiction

Dark Matter by Blake Crouch was tremendous. Yes. Hit that one a year ago. Already read it a second time. Tremendous indeed. I inhaled that one through my eyeballs in one breath. If you like that one I recommend Everyone by Charles Soule. Crouch’s Recursion is also basically like a better version of...
by TheEternalVortex
Thu Apr 02, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 167
Views: 9233

Re: Are your personal expenses down during stay home and shelter?

Way down. Probably spent $2k monthly eating out if not more. Also buying less on Amazon with deliveries being what they are.
by TheEternalVortex
Sun Mar 08, 2020 12:54 am
Forum: Investing - Theory, News & General
Topic: Glide path based on $ not time
Replies: 26
Views: 1857

Re: Glide path based on $ not time

This is exactly my strategy, though I have a fairly modest difference regardless. But my goal is 60/40 at $4m, with 80/20 at $0. So at $2m I would be 70/30. If I'm fortunate enough to exceed $4m I could see going more conservative. But at that point I expect I will be financially independent so that...
by TheEternalVortex
Thu Feb 27, 2020 10:28 pm
Forum: Personal Consumer Issues
Topic: iPhone 6s - upgrade to 11 or 12?
Replies: 41
Views: 2917

Re: iPhone 6s - upgrade to 11 or 12?

Replaced my 6S battery for $25. Now it works great, lasts longer than ever. I actually like it more than the 11 which I use for work (TouchID so much better than FaceID)
by TheEternalVortex
Fri Feb 21, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Do You Have a Long Term Travel Strategy?
Replies: 67
Views: 5980

Re: Do You Have a Long Term Travel Strategy?

Wow, that’s very ambitious. Basically no travel with kids is “low stress” maybe until they are teens. Kids thrive on schedule so it’s never easy to upset that. They may have picky food choices and it can be hard to find what they eat I. The place you are going. Changing time zones is rough even a fe...
by TheEternalVortex
Wed Feb 12, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I find a different job with a better commute?
Replies: 50
Views: 3472

Re: Should I find a different job with a better commute?

If it was only a matter of pay it might be worth it. But worse working conditions is a tough pill to swallow. That’s going to be 8 hours a day of feeling bad instead of the extra 2 hours you have now.
by TheEternalVortex
Fri Feb 07, 2020 4:51 am
Forum: Personal Finance (Not Investing)
Topic: Tech Jobs (Defense vs. FAANG)
Replies: 21
Views: 2896

Re: Tech Jobs (Defense vs. FAANG)

KyleAAA wrote:
Thu Feb 06, 2020 1:55 pm
Which big tech? Google and Microsoft, for example, have great WLB and most work 40 and done. Apple, Amazon, and FB are different.
FWIW, everyone I know at FB works 40 hours or less (some even more like 30 hours). It's really hard to generalize about a 50k person company.
by TheEternalVortex
Wed Feb 05, 2020 10:54 am
Forum: Investing - Theory, News & General
Topic: Those Who Want to Work Past 70
Replies: 25
Views: 2454

Re: Those Who Want to Work Past 70

My plan is to be FI by 40. But I don’t expect to retire till way later. But just in case I’d like to be ready. My grandfather is still working at 82.
by TheEternalVortex
Sun Feb 02, 2020 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 43499

Re: Engineers - What are you making? ($$$)

Engineer in Bay Area. Total compensation: $1M/year. Salary: $300,000 Bonus: $100,000 Stock: $600,000 That is outstanding! How many years experience and is it FANG? FANG, 20 yoe+, 15+ in Bay Area So Google? Netflix doesn’t pay equity. Amazon doesn’t pay that high a base. Facebook doesn’t have any le...
by TheEternalVortex
Mon Jan 20, 2020 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 43499

Re: Engineers - What are you making? ($$$)

Software Engineer in the Bay Area w/ 10 years experience (well-known large tech company). Last year my W-2 income was $850k, which breaks down as $260k base salary, $80k bonus, and $510k vested stock (I sell immediately, so same as cash). This year I expect it to be slightly higher if all goes well,...
by TheEternalVortex
Tue Jan 14, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: Windows 7 end of support - Jan 14, 2020
Replies: 107
Views: 8863

Re: Windows 7 end of support - Jan 14, 2020

It’s easy enough to turn off all the annoying stuff (no telemetry, cortana, or start menu ads) and after that it’s arguably the best windows ever.
by TheEternalVortex
Fri Jan 03, 2020 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Over $1.5M Under Age 45, Have You Paid Off Your Home?
Replies: 19
Views: 2242

Re: Net Worth Over $1.5M Under Age 45, Have You Paid Off Your Home?

Age 33. Paid off most of it now that we get the less favorable tax deduction because of SALT limits.

Retirement Accounts: 600k
Taxable Accounts: 1m
Home Equity: ~1.4m

Remaining Mortgage: 120k
Mortgage Interest Rate: 3.75%
by TheEternalVortex
Wed Oct 16, 2019 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retired Empty Nester Move from House to Apartment
Replies: 27
Views: 4660

Re: Retired Empty Nester Move from House to Apartment

Wow, 5500 sq ft, that's crazy for two people...

You could also just get a smaller house. Some disadvantages of apartments could be hard to get used to (noise, less control over living conditions).
by TheEternalVortex
Wed Aug 07, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: San Jose (CA) cost of living
Replies: 36
Views: 4342

Re: San Jose (CA) cost of living

I’ve lived in San Jose for 25+ years. I would recommend living in Willow Glen. That’s where I would live if I were retired. But depends on what you want from your neighborhood of course. Your numbers seem close. My car insurance and registration is around 30% lower though (for a new $30k car). Utili...
by TheEternalVortex
Sun May 12, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can we really afford $1.25M house?
Replies: 44
Views: 6151

Re: Can we really afford $1.25M house?

I bought a house for the same amount in CA a few years ago with slightly lower income (though put 40% down). Compared to how much rent has kept going up it definitely turned it to be good financially. Also my income has kept increasing which was lucky (but I didn’t count on it).
by TheEternalVortex
Fri Apr 26, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: QLED vs OLED TV
Replies: 4
Views: 799

Re: QLED vs OLED TV

Just get an OLED. It's by far the best TV ever made. You won't regret it.
by TheEternalVortex
Sun Mar 17, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Housing should be no more than 28% of your income.
Replies: 66
Views: 6803

Re: Housing should be no more than 28% of your income.

If you own a house you should really count the imputed rent else it’s not exactly a fair comparison.
by TheEternalVortex
Fri Mar 15, 2019 8:36 pm
Forum: Personal Investments
Topic: Most people wish they invested more and sooner. Any of you wish they invested less?
Replies: 38
Views: 4812

Re: Most people wish they invested more and sooner. Any of you wish they invested less?

No, but I also don't wish I had invested more. I think the amount was correct within margin of error.
by TheEternalVortex
Tue Mar 05, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: How long have you gone without a raise?
Replies: 75
Views: 6425

Re: How long have you gone without a raise?

I’ve gotten raises annually since I started. Now my salary is 2.5x what it was 10 years ago all at the same employer.
by TheEternalVortex
Tue Dec 18, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Non-budgeters: How do you handle large purchases?
Replies: 47
Views: 4187

Re: Non-budgeters: How do you handle large purchases?

I never spend more than I have in my checking account on large purchases. (The only exception was house downpayment, for which I sold investments from my taxable account). I just try to keep ~3 months expenses in there and that's usually enough to cover most large purchases. After that I let it repl...
by TheEternalVortex
Thu Aug 23, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 24147

Re: Decent compensation to move to Bay Area CA?

If you rent a reasonable house it's probably $5k/month, so you'd want something like $300k/yr to have a similar lifestyle. Of course it will be hard to buy a house on that income unless you have large savings. Also note that many people really like the bay area for various reasons (weather, culture,...
by TheEternalVortex
Sat Mar 03, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 8031

Re: What will you do with your tax refund?

Last year I got back $12k but this year I owe $8k. It’s pretty hard to estimate correctly in my situation.
by TheEternalVortex
Fri Mar 02, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 22569

Re: What was your % pay raise?

For last year it was ~8%. My highest ever without getting a promotion or switching jobs.
by TheEternalVortex
Wed Feb 21, 2018 10:30 am
Forum: Personal Investments
Topic: Tax loss harvesting and whether robo-investor fees are worth it
Replies: 27
Views: 3781

Re: Tax loss harvesting and whether robo-investor fees are worth it

Most people don’t have regular gains so the value of TLH is capped at 3k*marginal tax rate. And obviously you have to pay those taxes later on when you sell, so it’s even less than that. But at some point a 0.25% fee will exceed that. Since you can’t get TLH without ongoing contributions it’s inevit...
by TheEternalVortex
Sun Feb 18, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 14007

Re: Do you wear a wedding band?

Neither my wife nor I wear one. We don’t like the feel of rings. Somehow we haven’t forgotten that we’re married yet.
by TheEternalVortex
Sun Feb 18, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 146
Views: 21674

Re: Bogleheads with $100K+ MSRP cars?

To put it in perspective, a $100k car costs about the same as just using ridesharing (Lyft/Uber) for all travel.
by TheEternalVortex
Mon Dec 18, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Buying a new sofa with two young kids?
Replies: 36
Views: 3324

Re: Buying a new sofa with two young kids?

Bought a cheap leather couch for $800 six years ago and it’s going strong (we have two young kids). It’s also super comfortable. So I don’t think you have to pay all that much to get something decent.
by TheEternalVortex
Tue Dec 12, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 28962

Re: Do people still use AAA?

I use them for my auto/home insurance so membership is required. Its basically more than free because the total cost is still less than other insurance by around $100/yr. I’ve used it maybe 3 times ever and it was very helpful.
by TheEternalVortex
Sun Oct 15, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 61
Views: 8193

Re: Amazon Prime - Decline in Delivery Service?

If anything it’s gottrn faster. I often get things in one day rather than two and now they even deliver on Sundays. I think I’ve had maybe 1 missing item in ~1000 orders the past couple years.
by TheEternalVortex
Wed Sep 13, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 11401

Re: Best Lower Cost USA Cities to Live

Conversely the traffic is generally horrible-- which makes it hard to meet people, meet up with people, maintain friendships and relationships. And it must be quite lonely. There must be a sense that if you are not happy or fulfilled then there is something wrong with you. Community ties are perhap...
by TheEternalVortex
Fri Aug 04, 2017 1:53 pm
Forum: Personal Investments
Topic: Kicking Betterment to the Curb
Replies: 14
Views: 2952

Re: Kicking Betterment to the Curb

I do wonder if there is any concern with Schwab being a publicly traded company, though. Something of concern? I don't expect a bait-and-switch like Betterment but it seems more plausible here than with Fidelity...maybe? I'll just answer my own question here... Betterment is private and they hiked ...
by TheEternalVortex
Mon Jul 10, 2017 9:18 pm
Forum: Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 69
Views: 10703

Re: Is 60/40 too conservative for 31 year old?

I'm 31 and want to switch to 60/40 too because I'm ahead of my saving goals (currently 70/30). So it seems reasonable :)
by TheEternalVortex
Sat Apr 29, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 5605

Re: Car maintenance for older cars - where do you go ?

I've been using YourMechanic. They come to you and my house already has free wifi and coffee ;).
by TheEternalVortex
Sat Apr 29, 2017 1:26 am
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 138
Views: 17241

Re: Cost of car compared to Gross Income

The average new car has to be around $30K now. So does that mean the average gross income is $300K? I don't think so. Unfortunately cars are expensive. I believe the average car price is $35k. Of these, 30% are leased. We're also seeing a higher number of defaults on these leases, since the average...
by TheEternalVortex
Tue Apr 25, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Purchase new, but older model cell phone - Best method?
Replies: 11
Views: 2185

Re: Purchase new, but older model cell phone - Best method?

I think you will save money overall buying a new phone and keeping it longer. Plus you get a better phone on average.
by TheEternalVortex
Wed Apr 19, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: CA State Tax Refund ~ 3 Month Processing Time
Replies: 19
Views: 6259

Re: CA State Tax Refund ~ 3 Month Processing Time

I'm yet to receive mine: We received your 2016 California Income Tax return on:Wednesday, March 8, 2017. We are taking longer than expected to process your return. Interestingly, I mailed this on Mar 11 ! Didn't know first class mail could be this fast :shock: . I have a large refund due. Should I ...
by TheEternalVortex
Wed Apr 19, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 11976

Re: Is my electric bill high?

Ours is around $300 but we use AC a lot. So it seems not that unreasonable.
by TheEternalVortex
Sat Apr 15, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 9592

Re: leaving early from work

Reason number 4. In this company, looking busy means more than being productive. (Especially, looking busy on nights and weekends.) - John P. Greaney, Retire Early Home Page I just wanted to remind everyone of this classic quote. There may actually be some mythical companies out there where 'We don...
by TheEternalVortex
Wed Apr 12, 2017 11:02 am
Forum: Personal Investments
Topic: Tax loss harvesting and Betterment
Replies: 26
Views: 5895

Re: Tax loss harvesting and Betterment

Betterment TLH works pretty well. There's no way you will harvest as much as they do without spending a ton of time on it. However, it's probably not worth the fee because you only get to TLH in the beginning but have to pay the fee forever.
by TheEternalVortex
Sun Apr 09, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Calif Tax Refund Length of Time to Receive
Replies: 19
Views: 2784

Re: Calif Tax Refund Length of Time to Receive

I efiled on March 3 and haven't gotten it yet. I guess I should call them but I'm too lazy. Hopefully I get it eventually without having to do anything.
by TheEternalVortex
Tue Mar 28, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Should I drop Full coverage on my car?
Replies: 17
Views: 2063

Re: Should I drop Full coverage on my car?

I never have collision coverage, even on new cars. But I have enough saved to be able to replace them easily.
by TheEternalVortex
Sun Mar 26, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 157
Views: 25628

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

In-N-Out is my favorite, and I've tried almost everything else mentioned in this thread. Of course de gustibus non est disputandum.
by TheEternalVortex
Mon Mar 13, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: How many pairs of jeans do you own?
Replies: 64
Views: 10025

Re: How many pairs of jeans do you own?

2 pairs of jeans (and no other pants)
by TheEternalVortex
Fri Mar 10, 2017 2:48 am
Forum: Personal Finance (Not Investing)
Topic: rachio smart sprinkler controller
Replies: 12
Views: 1683

Re: rachio smart sprinkler controller

I have one and it's pretty great. I like how it adjusts watering times based on the season & weather. I have no idea if it saves money but it has cool charts.
by TheEternalVortex
Sun Mar 05, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: TV and/or Speakers for Enhanced Voice Clarity [UPDATE]
Replies: 35
Views: 6250

Re: TV and/or Speakers for Enhanced Voice Clarity

Use good headphones. Much easier to hear
by TheEternalVortex
Sun Mar 05, 2017 1:13 pm
Forum: Personal Investments
Topic: Andrews 3% CD or Total Bond Market?
Replies: 44
Views: 9483

Re: Andrews 3% CD or Total Bond Market?

I start by considering why I would want to own a 5-year Treasury in TBM when I can get a much higher yield on a 5-year CD. Why would I even want to own a 30-year Treasury in TBM when I can get about the same yield now with a 7-year CD at 3%, so about same yield but MUCH less term risk? If you are h...
by TheEternalVortex
Sat Mar 04, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 7948

Re: Windfall: should we pay cash for ~$1.3M home?

If you like the bay area and want to stay long-term then I think it makes sense. You won't have to worry about being priced out of living here and once you have kids the house will be a lot more convenient. Also fwiw I bought a house for about that amount in the bay area and my insurance is only $1k...
by TheEternalVortex
Sat Mar 04, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Price of a used Honda Odyssey
Replies: 31
Views: 3337

Re: Price of a used Honda Odyssey

Bought a 2016 EX-L new for $31k. When I looked used prices were only a few thousand less for 3 year old ones. Not really worth it.
by TheEternalVortex
Wed Feb 22, 2017 12:02 am
Forum: Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 69
Views: 10703

Re: Is 60/40 too conservative for 31 year old?

I'm the same age and also 60/40 for similar reasons. I definitely don't think there's anything wrong with it :)