Search found 55 matches

by CAP_theorem
Tue Sep 18, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 848

Re: Honda Lawnmower Warranty Issue

Not what you asked so I apologize for interjecting, but I think you might find it useful. I use Trufuel exclusively in my mower, snow blower, and generator (for the first 24 hours). Usually it means I don't have do any dances with fuel treatments, draining the tank, or take it in to be repaired ever...
by CAP_theorem
Wed Aug 22, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12392

Re: Good Non-Boring Boglehead Cars Under $30k

Everyone has their own way of slicing and dicing the market. So what makes a car fun? Here is my list. Throttle response (Turbo vs NA) Ability to produce Gs (Raw power, gearing) Aggressive gearing (make the most of the weight of the car committed to the power train) Corner at higher speeds with good...
by CAP_theorem
Wed Aug 15, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10693

Re: Take auto loan 0.9% if I can afford cash?

It's what I did. It's what I'm going to do again. On paper it gives you more money to invest. Money you have invested is at risk. A bad sequence of events could lead to you being unable to make the payments. .9% is lower than the US treasury rate or FDIC insured cash accounts, so its not really fai...
by CAP_theorem
Wed Aug 15, 2018 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10693

Re: Take auto loan 0.9% if I can afford cash?

I took the loan because the math said take the loan. Then when the paperwork showed up, I paid it in full. My reflexive brain couldn't handle the additional liability on the balance sheet even though my reflective brain said I was stupid to do that. My mind is not beautiful. Oh that's usually not g...
by CAP_theorem
Wed Aug 15, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10693

Re: Take auto loan 0.9% if I can afford cash?

It's what I did. It's what I'm going to do again.

On paper it gives you more money to invest. Money you have invested is at risk. A bad sequence of events could lead to you being unable to make the payments.
by CAP_theorem
Tue Jul 10, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2291

Re: Replace water heater at end of warranty or repair?

what is your plan if you can't "put it back together"? do you have a plumber that will come out on the weekend if things go hay wire? Probably be sad for a while and get a plumber out. Might mean a few days without hot water. We will definitely shower first :-) So your tank has been in service for ...
by CAP_theorem
Tue Jul 10, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2291

Replace water heater at end of warranty or repair?

I have a Bradford White 40 gallon water heater that is 1 month away from the end of its 6 year warranty. There have been brief periods where it hasn't been producing enough hot water and when I checked the heater the status light was indicating that it couldn't detect the pilot light even though I c...
by CAP_theorem
Fri Mar 09, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: YE Review - No more Restricted Stock Options
Replies: 17
Views: 1550

Re: YE Review - No more Restricted Stock Options

Companies don't really care about the world outside the company until it is too late. They pretend it doesn't exist because on average most employees are too lazy/not driven, not good enough, or don't interview well enough to do better. Other things can also drag them down like location restrictions...
by CAP_theorem
Tue Jan 23, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: [Invested today, so] Here Comes the long awaited Correction
Replies: 9
Views: 2158

Re: Here Comes the long awaited Correction

Market timing is bad. Doesn't stop me from trying! I am taking this opportunity to extend my emergency fund from 3 months to 12 instead of investing after tax. Once that is done I will have no choice but to go back to buying. In the big picture it will only be a blip in my buying habits.
by CAP_theorem
Tue Nov 14, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 74
Views: 9656

Re: Personal letters to the sellers of your house can work!!!

I think the trustee picked a horrid selling agent as he only had one open house, and buyer's agents had to take their clients over and open the lock box. This is getting off topic, but isn't this simply how sales work these days? There was another long thread discussing agents recently, and buyers ...
by CAP_theorem
Tue Nov 14, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Personal letters to the sellers of your house can work!!!
Replies: 74
Views: 9656

Re: Personal letters to the sellers of your house can work!!!

Writing a letter paid off for me. There were several offers, but I correctly guessed the price and was one of two identical offers. The offer we were up against waived the inspection contingency and I did not although I did put in in the offer I would not pursue smaller issues below a certain cost t...
by CAP_theorem
Thu Nov 09, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 94
Views: 7409

Re: Interviewing at a former employer, should I give them my current salary when they ask?

Glassdoor is not a good source of information on compensation as in it can skew very low. If I believed glassdoor I would be making half as much. For some companies I would say it's at least a 1/3rd low for starting compensation and then it is even further off after a few years once you take into ac...
by CAP_theorem
Thu Nov 09, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 94
Views: 7409

Re: Interviewing at a former employer, should I give them my current salary when they ask?

As an HR person explained to me, in banking, you can have killed your grandmother with a shovel and be hired, but if you are discovered in a material misrepresentation, you will be terminated. That explanation was offered in the following situation, which happened 30 years ago. Definitely a risk. A...
by CAP_theorem
Thu Nov 09, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 94
Views: 7409

Re: Interviewing at a former employer, should I give them my current salary when they ask?

I have been asked the current salary question in interviews I have had for positions I was seeking. I always answered honestly, but quickly countered with what my salary expectations were and asked how that fit the salary range of the position. If there is not a good fit, best both parties know so ...
by CAP_theorem
Thu Nov 09, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 94
Views: 7409

Re: Interviewing at a former employer, should I give them my current salary when they ask?

If you are not truthful, there could be consequence if they find out There are consequences if you don't. Namely you are out interviewing again in a few months and in a new job within a year or two. For that >20% they declined to pay you because you didn't make it clear that it wasn't optional. At ...
by CAP_theorem
Thu Nov 09, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 94
Views: 7409

Re: Interviewing at a former employer, should I give them my current salary when they ask?

I work in "that" industry so take this with a grain of salt if your industry is less lucrative. They want to hire me. I want to help them hire me. Everybody wins. Your compensation is just a line item in a budget. No one cares. I give the maximum of the highest possible salary I think they are willi...
by CAP_theorem
Tue Oct 03, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 23855

Re: What age did you become debt free and what opportunities did it create?

I consider positive net worth with sufficient liquidity to eliminate all debts immediately as debt free. If you disagree it's cool. Positive net worth with sufficient liquidity to eliminate debt is not the same thing as being debt-free. If you have debt, you are not debt-free. It's not a matter of ...
by CAP_theorem
Mon Oct 02, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 23855

Re: What age did you become debt free and what opportunities did it create?

Your way is fine, but (of course there's a but), will you still be "debt-free" if the market drops 50%? What if it drops 89%? Those of us who have actually paid off the loans will remain "debt-free" in those situations, while you may find yourself no longer with sufficient liquidity to eliminate al...
by CAP_theorem
Fri Sep 29, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 23855

Re: What age did you become debt free and what opportunities did it create?

I am still making student loan payments, but I could pay them off if I wanted to I just choose not to. I would call that close enough to debt free. That happened around thirty. If I had made better career moves I could have done it a few years earlier. It didn't create opportunities. Quite the oppo...
by CAP_theorem
Fri Sep 29, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 6086

Re: My first promotion without a pay increase

Pick some dream jobs that you might want, send out some applications, and see what comes back. Either you're paid appropriately and you will have a better appreciation for what you have, or you will find something better. OP here. I quoted this one but a lot of people gave similar advice and I will...
by CAP_theorem
Fri Sep 29, 2017 4:15 pm
Forum: Personal Consumer Issues
Topic: My first promotion without a pay increase
Replies: 47
Views: 6086

Re: My first promotion without a pay increase

Not enough information. How much are you paid? What type of work do you do? What types of software/hardware do you work with and what is your level of expertise with it? Are you good at interviewing? What kind of Mega corp? Facebook/Amazon/Google/Netflix type mega corp? Do you look and act younger t...
by CAP_theorem
Mon Jun 27, 2016 5:06 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 15600

Re: What did you learn from the post-Brexit bloodbath?

I learned that I really enjoy not having to manage my own asset allocation. I switched to Vanguard LifeStrategy Growth Fund (VASGX) recently as I found that it was stressful and there was too much fat finger and timing risk associated with maintaining my own portfolio across several accounts.
by CAP_theorem
Thu Dec 03, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Replacing non-vested 401(k) match as part of salary negotiations?
Replies: 2
Views: 372

Re: Replacing non-vested 401(k) match as part of salary negotiations?

It almost always doesn't hurt to ask nicely. The way this transaction works is that you have a job that has a certain amount of value and they need an employee and that has a certain amount of value. Depending on the job your value to the company may exceed what they are offering you by more than yo...
by CAP_theorem
Wed Nov 25, 2015 10:45 pm
Forum: Personal Consumer Issues
Topic: Best TV to buy
Replies: 96
Views: 12383

Re: Best TV to buy

You have to know what your want but this guide can provide a little insight and it's brief.
http://thewirecutter.com/reviews/best-tv/
by CAP_theorem
Tue Nov 17, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on salary negotiation - Engineering
Replies: 22
Views: 2664

Re: Advice on salary negotiation - Engineering

What follows is my opinion based on several years working in software. You can ask for whatever you could get somewhere else. If they don't give it to you then go somewhere else. Or whatever you can make them believe your alternatives are. I don't suggest lying because few people can pull it off, bu...
by CAP_theorem
Sun Nov 15, 2015 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: When should I excerise my stock options?
Replies: 12
Views: 1574

Re: When should I excerise my stock options?

First thing to be aware of is the tax consequences of exercising. You can owe tax on the spread between the exercise price and the current FMV. People were absolutely crushed by this in the .com boom/bust and were stuck paying taxes for years on worthless shares. Second thing to be aware of is that ...
by CAP_theorem
Tue Nov 10, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Mandatory employer provided long term DI preventing purchase of individual DI?
Replies: 8
Views: 808

Re: Mandatory employer provided long term DI preventing purchase of individual DI?

Adverse selection could be a factor. The rates I am quoting for individual insurance are for the most preferred condition (or whatever it is called) and class 5. I know one insurer will give me class 6, but I am not sure what the one I am getting a quote from now will do. I haven't finished the unde...
by CAP_theorem
Mon Nov 09, 2015 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mandatory employer provided long term DI preventing purchase of individual DI?
Replies: 8
Views: 808

Re: Mandatory employer provided long term DI preventing purchase of individual DI?

What are your concerns about the employer policy not paying? Your concerns seem to all be in the nature of the policy, and not that the insurance company would not live up to its contractual obligations. Primarily with the contract language. But contracts are also just paper. An insurance company t...
by CAP_theorem
Mon Nov 09, 2015 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Mandatory employer provided long term DI preventing purchase of individual DI?
Replies: 8
Views: 808

Re: Mandatory employer provided long term DI preventing purchase of individual DI?

What are your concerns about the employer policy not paying? The policy costs 26$ a month. An individual policy would cost 200$ a month minimum. Unscientifically that implies that it does not provide the same coverage. In terms of actual measurable differences the group policy is modified own occup...
by CAP_theorem
Mon Nov 09, 2015 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mandatory employer provided long term DI preventing purchase of individual DI?
Replies: 8
Views: 808

Mandatory employer provided long term DI preventing purchase of individual DI?

I am in the process of purchasing individual long DI. I am located in MA, but my employer is primarily based in CA although it is a distributed company with half of the employees located all over the world. My employer provides a group policy that they pay for, but it is modified own occupation afte...
by CAP_theorem
Fri Jul 31, 2015 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with low raise
Replies: 71
Views: 7587

Re: Frustrated with low raise

Where the rubber meets the road is how much you can get paid elsewhere. I have never bothered to get an employer to give me a raise just because. Go out and get an offer. If it's higher you can give them a chance to beat it and risk getting fired later, or take it. One of the purposes of your compen...
by CAP_theorem
Fri Jul 24, 2015 10:32 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 44
Views: 4073

Re: Is there a service that will email you with each credit card purchase?

Interestingly enough my iPhone notifies me immediately for my AMEX. I think it's related to Apple pay. It notifies me so quickly in fact that I get the notice before the merchant's card reader realizes the transaction has completed.
by CAP_theorem
Fri Jul 03, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 23855

Re: What age did you become debt free and what opportunities did it create?

I am still making student loan payments, but I could pay them off if I wanted to I just choose not to. I would call that close enough to debt free. That happened around thirty. If I had made better career moves I could have done it a few years earlier. It didn't create opportunities. Quite the oppos...
by CAP_theorem
Fri Jun 19, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 86
Views: 12849

Re: Password manager recommendations?

I currently use LastPass. It's a compromise between my time and security. People I trust for security recommendations recommend 1Password due to the design and knowing the authors. But then there is stuff like http://arstechnica.com/security/2015/06/serious-os-x-and-ios-flaws-let-hackers-steal-keych...
by CAP_theorem
Wed Jun 17, 2015 11:05 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 22743

Re: LastPass.com Breach

Of course this assumes LP hasn't built in a backdoor or another Master Master password allowing oh say a government agency access to your passwords if they deem necessary. Again, people far smarter than me have analyzed the bit stream that gets sent to LP. They say it is encrypted into an indeciphe...
by CAP_theorem
Wed Jun 17, 2015 10:34 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 22743

Re: LastPass.com Breach

Always hated that comic. Offline attack against a password database can do millions of hashes a second. That's addressed in the second panel: "Plausible attack on a weak remote web service. Yes, cracking a stolen hash is faster, but it's not what the average user should worry about." And that is wh...
by CAP_theorem
Tue Jun 16, 2015 4:22 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 22743

Re: LastPass.com Breach

Obligatory XKCD comic: http://imgs.xkcd.com/comics/password_strength.png P.S. Please remember to capitalize the "P" when you type KeePass. You don't want people to infer the word barriers incorrectly there. :D Always hated that comic. Offline attack against a password database can do millions of ha...
by CAP_theorem
Tue Jun 16, 2015 10:09 am
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 22743

Re: LastPass.com Breach

Trust the math. I'm not changing my password (other then on my usual schedule). Good luck brute forcing the hash. I don't recall the exact amount of entropy, but it's 80+ bits. Estimators that don't know how the password was generated think it's 120 bits. Your password material is only as secure as ...
by CAP_theorem
Thu May 14, 2015 2:00 pm
Forum: Personal Consumer Issues
Topic: Home Internet - Cat 5e or Cat 6
Replies: 49
Views: 9102

Re: Home Internet - Cat 5e or Cat 6

As a full time software developer who munges a lot of data I am biased. Don't try and get guess what you will use the bandwidth for 10 or 20 years from now. I value my time and my experience when dealing with tech since I do it all day every day so I wire everything without a second thought. As has ...
by CAP_theorem
Fri Mar 06, 2015 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Former employer not providing form 3921 for exercised ISOs
Replies: 1
Views: 456

Former employer not providing form 3921 for exercised ISOs

I exercised ISOs over the course of several years at my former employer. They never gave me a copy of form 3921 and I don't know if they submitted it to the IRS. Most of those exercises would not have had a huge spread and some were clearly under water, but now I really don't know. At the time I did...
by CAP_theorem
Sat Feb 21, 2015 10:59 am
Forum: Investing - Theory, News & General
Topic: This Morning's Dilbert - Investment Help
Replies: 24
Views: 6195

Re: This Morning's Dilbert - Investment Help

Eerily similar to the investment advice of the CEO of a company I once worked at. They recommended purchasing stock in bankrupt companies that "weren't going away". American Airlines for example. A great way to boost your returns he said. When the market was down for a spell they would lament about ...
by CAP_theorem
Tue Jan 13, 2015 10:42 am
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead handle stock options?
Replies: 29
Views: 4148

Re: How does a Boglehead handle stock options?

I can't speak for everyone or Bogleheads in general. I would sell and convert to a diversified investment immediately. I don't want to gamble on a bigger upside because I know I can handle missing upside and will reach my goals most reliably by getting there a bit at a time. I've turned down hundred...
by CAP_theorem
Tue Jan 06, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 11899

Re: Accepting counter-offer to stay at job

I can tell you what I did. It was not risk free, but it worked out extremely well for me. Similar position, 4 years and change at a company. Key employee with a bunch of questionable equity a nice chunk of which was vested. Something went sour, used it as an excuse to get an offer at a company I rea...
by CAP_theorem
Mon Dec 29, 2014 9:42 am
Forum: Personal Consumer Issues
Topic: Poll: Total cost of 2-yr cell phone ownership?
Replies: 54
Views: 4803

Re: Poll: Total cost of 2-yr cell phone ownership?

Until last Friday my 2 year cost was 105 dollars a year. That was for a 7+ year old motorola flip phone on t-mobile prepaid buying 1k minutes a year. My wife still uses a phone paid for by her father since she was in college 10 years ago. Now it's going to be about 3k per 2 year period. One smartpho...
by CAP_theorem
Mon Dec 01, 2014 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating TSM with Fidelity Spartan index funds
Replies: 6
Views: 965

Re: Approximating TSM with Fidelity Spartan index funds

http://www.bogleheads.org/wiki/Approximating_total_stock_market Thanks there is a link to that in my original post. Sorry, on mobile and didn't see it. I'd do 82 11 7 or something close and call it a day. It won't make a huge difference if you're a few points off among these three funds. Thanks I'l...
by CAP_theorem
Mon Dec 01, 2014 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating TSM with Fidelity Spartan index funds
Replies: 6
Views: 965

Approximating TSM with Fidelity Spartan index funds

My 401k no longer offers Vanguard Target Retirement. The funds are all terrible except for these 3 index funds. I want to approximate TSM with them, but I don't know what the correct mix is. Tickers are FUSVX, FSCKX, FSSVX for Fidelity Spartan 500 Index Advtg , Mid Cap Idx Advtg, Sm Cp Idx Advtg. I ...
by CAP_theorem
Thu Oct 30, 2014 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Roll over to rIRA or tIRA?
Replies: 3
Views: 546

Re: 401(k) Roll over to rIRA or tIRA?

perhaps this from the wiki might be useful in the thought process: http://www.bogleheads.org/wiki/Roth_IRA_conversion Thanks I missed that particular article when googling. I expect my income in retirement to be half my income now, but at current tax rates that is still the 25% bracket so almost th...
by CAP_theorem
Thu Oct 30, 2014 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Roll over to rIRA or tIRA?
Replies: 3
Views: 546

401(k) Roll over to rIRA or tIRA?

I am a 30 year old software engineer and I am changing jobs and need to decide how to roll over my 401k. The 401k plan at my former employer charges 50 basis points every year on top of the fund expense ratios which makes the decent fund selection useless. My question is whether I should do a Roth c...