Search found 2517 matches

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: 21472

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: 6520

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: 20266

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: Investing - Help with Personal Investments
Topic: Tax loss harvesting and whether robo-investor fees are worth it
Replies: 27
Views: 2715

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: 11089

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: 113
Views: 14250

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: 2886

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: 25241

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: 7013

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: 9783

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: Investing - Help with Personal Investments
Topic: Kicking Betterment to the Curb
Replies: 14
Views: 2661

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: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 69
Views: 9525

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: 4935

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: 15901

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: 1650

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: 4127

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: 8824

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: 9058

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: Investing - Help with Personal Investments
Topic: Tax loss harvesting and Betterment
Replies: 26
Views: 4433

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: 2187

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: 1860

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: 24160

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: 5882

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: 6
Views: 854

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: 5404

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: Investing - Help with Personal Investments
Topic: Andrews 3% CD or Total Bond Market?
Replies: 44
Views: 8983

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: 7177

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: 2961

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: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 69
Views: 9525

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 :)
by TheEternalVortex
Mon Feb 20, 2017 1:52 am
Forum: Investing - Help with Personal Investments
Topic: municipal bonds for taxable bond portion
Replies: 4
Views: 1031

Re: municipal bonds for taxable bond portion

Currently the national intermediate fund yields almost the same as the CA fund @9.3% tax rate. Last I checked it's <0.1% difference, which doesn't seem worth the extra risk of having just one state. You could probably simplify and just move everything into that one.
by TheEternalVortex
Sun Feb 05, 2017 1:37 am
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 360
Views: 43609

Re: Why go with an 80% stock / 20% bond portfolio?

Presumably some people would sell at a 43% drop but not a 35% drop. So those are those that would benefit from an 80/20 portfolio. The same argument applies for why anyone picks any allocation.
by TheEternalVortex
Wed Feb 01, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 24534

Re: Betterment just raised their costs.

But as I stated above, it's about trust. If they're willing to up their fees like this, then what's stopping them from repeating the maneuver couple years down the road? Apparently they claim that they've added services over time, so the fee increase is justified. So if they add services over the n...
by TheEternalVortex
Wed Feb 01, 2017 2:10 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 24534

Re: Betterment just raised their costs.

Wow, lot of wailing and gnashing of teeth! It's not like you're stuck. If you aren't happy with the new fees, move. The portfolio should be ETFs, portable to anywhere. For those 100k+ customers, many custodians will give you a nice transfer bonus and possibly cover any fees. It's not like it's that...
by TheEternalVortex
Tue Jan 31, 2017 5:24 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 24534

Re: Betterment just raised their costs.

Wow, lot of wailing and gnashing of teeth! It's not like you're stuck. If you aren't happy with the new fees, move. The portfolio should be ETFs, portable to anywhere. For those 100k+ customers, many custodians will give you a nice transfer bonus and possibly cover any fees. It's not like it's that...
by TheEternalVortex
Tue Jan 17, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Auto insurance Premium too High?
Replies: 24
Views: 3036

Re: Auto insurance Premium too High?

So expensive. We are paying $600/year for two cars.
by TheEternalVortex
Thu Jan 12, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Maintenance
Replies: 12
Views: 2068

Re: Dishwasher Maintenance

Probably http://www.affresh.com/our_products/affresh_dishwasher_cleaner - Affresh dishwasher cleaner It's listed in our Whirlpool dishwasher manual. Definitely do not run that with dishes inside the dishwasher at the same time. ---- just realized you said chemical, not product. in that case, it was...
by TheEternalVortex
Tue Jan 10, 2017 2:54 am
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 32835

Re: Annual Vacation Budget

Lately it's been $0 ;). No desire to travel with toddlers.
by TheEternalVortex
Wed Jan 04, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 9782

Re: Are Younger people funding 529 Plans?

Chose not to open a 529 for my kids. The benefit is quite small and the downside is large (restrictions on withdrawal, complexity of extra account, etc.). I would do it if I got a state tax deduction though.
by TheEternalVortex
Sat Oct 22, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 85
Views: 9485

Re: Putting in a Word About Tea - brands, types, etc.

Kirkland Green Tea - Costco, have been happy with it, steep 30 seconds, shake matcha in it, drink up. :beer Grt2bOutdoors, http://www.thekitchn.com/how-to-brew-green-tea-cooking-lessons-from-the-kitchn-203091 Are you sure that you are brewing the green tea correctly? Typically, green and white tea ...
by TheEternalVortex
Sat Oct 22, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 85
Views: 9485

Re: Putting in a Word About Tea - brands, types, etc.

If you have an Asian/international market nearby, go there and look at their tea selection. Often some very good prices on loose leaf teas. For everyday use I like the teas marketed by Ahmad Tea. jucor, You should check up Upton Tea. Their price is cheaper and quality is better. Their tea is cheape...
by TheEternalVortex
Sun Aug 14, 2016 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understanding compensation in tech: Bonus, Stocks?
Replies: 16
Views: 2379

Re: Help me understanding compensation in tech: Bonus, Stocks?

Is that equity for real? The salaries and cash bonuses don't look too surprising, from low 100's to upper 100's salary for the senior levels with like 10% to 20% bonus. But then another $30k to $200k+ in equity? Are they counting that right? That's a huge range. How do some people get so much more ...
by TheEternalVortex
Thu Jun 23, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Are gymboree classes worth it? any alternatives ?
Replies: 12
Views: 1715

Re: Are gymboree classes worth it? any alternatives ?

We went with our kids from 10 months to 18 months. It was really fun and there were so few places that we could during the "crawls but doesn't walk" age, that we basically did all of them. I don't know what "worth it" means in the context of children's activities, since they can be easily entertaine...
by TheEternalVortex
Sun Jun 19, 2016 12:07 am
Forum: Personal Finance (Not Investing)
Topic: cost of raising kids. BHs experience through college
Replies: 76
Views: 6504

Re: cost of raising kids. BHs experience through college

Most people spend a lot on their kids because they *want* to. So the amount you spend is entirely up to you. But you can't take it with you, and I think kids are a pretty good way to get value for $. It certainly avoids the "hedonic treadmill".
by TheEternalVortex
Wed May 25, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Can contribute to Roth: No Wages / W2 but income from blog / Google Adwords
Replies: 7
Views: 582

Re: Can contribute to Roth: No Wages / W2 but income from blog / Google Adwords

You can contribute up to your "self-employment income", which is after expenses (but before tax). If you have some tax software (TurboTax) it will tell you the max you can contribute after you fill in your SE data.
by TheEternalVortex
Tue May 17, 2016 12:45 am
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 69
Views: 13673

Re: I Bond rates for May 1 announced

I used to buy I-Bonds but now that I've saved a lot more money I stopped and plan to sell my holdings. It's not worth the extra hassle of the terrible TD website when I need to invest 6 figures in bonds (so only a small % will be in I-bonds). I hear this complaint all the time. Yet, I have never ha...
by TheEternalVortex
Wed May 11, 2016 8:32 am
Forum: Personal Consumer Issues
Topic: Keep Twins in Same Class for Kindergarten?
Replies: 41
Views: 5403

Re: Keep Twins in Same Class for Kindergarten?

Research is strongly in favor of keeping twins together the first few years of school. It's a very difficult transition for kids to make, so compounding that by forcing them to be separate most of the day can be very stressful. After a few years you can decide based on their preferences and whether ...
by TheEternalVortex
Tue May 03, 2016 7:39 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 69
Views: 13673

Re: I Bond rates for May 1 announced

I used to buy I-Bonds but now that I've saved a lot more money I stopped and plan to sell my holdings. It's not worth the extra hassle of the terrible TD website when I need to invest 6 figures in bonds (so only a small % will be in I-bonds).
by TheEternalVortex
Thu Apr 21, 2016 12:34 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 13826

Re: Any stay at home parents regret the decision?

It must be rare that people regret being a SAHP because it's usually an option to choose to work + pay for child care. Whereas many more people would regret not being with their kids enough, since you are less likely to have that option.
by TheEternalVortex
Tue Apr 19, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 5407

Re: Progressive or Geico?

It always surprises me how much variation there is in quotes. I recently shopped around and got quotes varying from 90%-300% of my current insurance. I'm too lazy to switch for just 10% off (especially since I'd have to switch homeowners too and that one was actually more).