Search found 1079 matches

by Afty
Sat Nov 16, 2019 10:03 pm
Forum: Personal Consumer Issues
Topic: Tablet for 2 year old for long car trip
Replies: 27
Views: 1353

Re: Tablet for 2 year old for long car trip

I might suggest splurging a bit and buying an entry level iPad for $250 on Black Friday. They're a lot nicer than the Kindles, and they last a long time. Our kids use theirs for schoolwork as well as entertainment. Also an aside, but you can download videos from Netflix and Disney+ so you can avoid ...
by Afty
Wed Nov 13, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: The difficulty of discarding frugality?
Replies: 110
Views: 10008

Re: The difficulty of discarding frugality?

Can you start off with small indulgences, like ordering a more expensive item at a restaurant, buying a daily coffee at your favorite shop, maybe buy a nicer version of something you already have and use a lot, etc.?
by Afty
Mon Nov 11, 2019 6:10 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 174
Views: 11814

Re: Investing $140k in cash at 1k per week

Adding to the Vanguard study posted upthread: your chance of success by DCAing is going to be even worse if you stretch this out to 2.5 years. If you are really set on this strategy, at least consider shortening the timeframe to a year at most.
by Afty
Sat Nov 09, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7584

Re: Do you charge your employer for the time that you spend working on your off days?

I wouldn't try to charge him for the time, that isn't going to go well. I would ask him not to contact you on your days off, or alternatively set the expectation beforehand that you will not be reachable on a vacation day. There are many legitimate reasons one might not be within cell reception on ...
by Afty
Sat Nov 09, 2019 1:21 pm
Forum: Personal Investments
Topic: Spend It All vs. Leave $$ for the Kids
Replies: 192
Views: 14905

Re: Spend It All vs. Leave $$ for the Kids

Choose a SWR so if you are in the worst 10% of historical outcomes, you spend it all. And if you experience the average historical outcome, you’ll leave half behind. This is how I think about it. Your typical Boglehead is probably going to have a lot of money left over just because we plan for the ...
by Afty
Fri Nov 08, 2019 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do you charge your employer for the time that you spend working on your off days?
Replies: 145
Views: 7584

Re: Do you charge your employer for the time that you spend working on your off days?

I wouldn't try to charge him for the time, that isn't going to go well. I would ask him not to contact you on your days off, or alternatively set the expectation beforehand that you will not be reachable on a vacation day. There are many legitimate reasons one might not be within cell reception on a...
by Afty
Thu Nov 07, 2019 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage to prepay or not prepay
Replies: 83
Views: 6486

Re: Mortgage to prepay or not prepay

My impression is that the Boglehead consensus leans to the taxable investing side. Personally I split it -- I put about 1/4 of our excess cash toward the mortgage and the other 3/4 in taxable.
by Afty
Sun Nov 03, 2019 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Workplace PIP - Next Steps?
Replies: 20
Views: 1898

Re: Workplace PIP - Next Steps?

ClevrChico wrote:
Sun Nov 03, 2019 7:58 am
I've never seen anyone on a PIP keep their job.

They're commonly inaccurate because they're thrown together quickly. The real reason for the PIP is likely long-term, chronic under performance, so does it matter?
At the company where I work, about half of people on a PIP keep their job.
by Afty
Fri Nov 01, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Managing Life with a Sick Kid
Replies: 8
Views: 1367

Re: Managing Life with a Sick Kid

I'm so sorry you are going through this. I can't speak to the terribly difficult situation you are in, but I did take care of my mother when she had cancer. I had a similar thought to you, that it was too difficult to work and handle her treatment at the same time, even though my work was very accom...
by Afty
Thu Oct 31, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Can one own a Porsche 911 that is not a money pit?
Replies: 78
Views: 10085

Re: Can one own a Porsche 911 that is not a money pit?

This has been a very enlightening thread. If one were interested in buying a recent 911 (let's say, up to 10 years old) with minimum expected depreciation, which variants and years would you recommend? Any options that are particularly good or bad for resale?
by Afty
Wed Oct 30, 2019 11:19 am
Forum: Personal Investments
Topic: Frontload IRA, then pay off loan or tackle both in parallel?
Replies: 10
Views: 547

Re: Frontload IRA, then pay off loan or tackle both in parallel?

I suspect it doesn't matter very much as long as the amounts you put toward each goal are the same.
by Afty
Wed Oct 30, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: 529 - over saving?
Replies: 25
Views: 1339

Re: 529 - over saving?

Given your goal to fund all 4 years at a state school, I might aim to save up to slightly less than the current all-in 4-year cost and then stop contributions. You could roughly assume that tuition will grow at the same rate as the investments in the 529. I acknowledge that in the past tuition has g...
by Afty
Fri Oct 25, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5209

Re: Who does your tax returns?

I do them myself now with H&R Block software. Previously I had a CPA do them, but I found that collecting all the documents and filling out his questionnaire was nearly as much work as just entering all the info into the tax software myself. I would also have to double check his returns, and each ye...
by Afty
Fri Oct 25, 2019 7:15 pm
Forum: Investing - Theory, News & General
Topic: New high income job - what about IRAs, etc
Replies: 8
Views: 1575

Re: New high income job - wat about IRAs, etc

My wife and I went through exactly this transition almost a decade ago. For us the biggest surprise was how little our lifestyle changed despite our income having increased multiple times over. Our savings rate certainly went up though. He should certainly do the backdoor Roth. If he has any pre-tax...
by Afty
Wed Oct 23, 2019 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11640

Re: Ok to go without health insurance?

So many people see the original billing rate then the insurance negotiated rate, and assume the former is what a non-insured patient would pay. That's not the case, as most practices/hospitals have a non-insured rate (and even a lower non-insured cash rate) which could be even lower than the insura...
by Afty
Tue Oct 22, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: Certificates or no certificates when purchasing tires as Discount Tires?
Replies: 4
Views: 662

Re: Certificates or no certificates when purchasing tires as Discount Tires?

Here’s the page on those certificates: https://www.americastire.com/customer-service/certificates As I read it, it covers failures due to road hazards or defects but not wear. The warranty specifically excludes tires with less than 3/32 inch of tread. So if your goal is to get tires replaced that we...
by Afty
Sun Oct 20, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: GPS to stop working on older phones Nov 3?
Replies: 25
Views: 3634

Re: GPS to stop working on older phones Nov 3?

If click through to the more detailed links from the Verizon page, it looks like some of the phones on that list will continue to work as long as you have the latest updates. The iPhones for example.
by Afty
Fri Oct 18, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: NYT: Why Don’t Rich People Just Stop Working?
Replies: 18
Views: 3603

Re: NYT: Why Don’t Rich People Just Stop Working?

Silly article. It assumes that everyone is a lazy jerk, doing the minimum amount of work they can get away with and still manage to live on this earth. From such an attitude, it is easy to see the puzzlement that someone could have their material needs met and continue to work. If all work is so ho...
by Afty
Fri Oct 18, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Legacy/Inheritance
Replies: 61
Views: 6653

Re: Legacy/Inheritance

What if you started giving smaller amounts of money to your kids as others have suggested, but told them explicitly that you would be watching how they handled it and that it would inform your future giving decisions? I'm not sure this is a good idea, but I'm also not sure it's worse than the altern...
by Afty
Thu Oct 17, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Car waxing/sealant for a newb (not for high level detailing)
Replies: 23
Views: 3397

Re: Car waxing/sealant for a newb (not for high level detailing)

I recently used a spray on sealant (https://www.amazon.com/CarGuys-Hybrid-Wax-Sealant-Hydrophobic/dp/B06Y5KQSKF/ref=sr_1_4?crid=DQKZ2KADJRO3&keywords=hybrid+wax+sealant&qid=1571367621&s=automotive&sprefix=Hybrid+wa%2Cautomotive%2C226&sr=1-4) for the first time and was astounded at how easy it is to ...
by Afty
Sun Oct 13, 2019 6:17 pm
Forum: Personal Investments
Topic: What’s the point of a taxable account?
Replies: 62
Views: 6832

Re: What’s the point of a taxable account?

In addition to the “nowhere else to put it” reason, it’s also useful to have some money that is not locked up until retirement.
by Afty
Sat Oct 12, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Electric Car Charger - options/Amp settings?
Replies: 42
Views: 2737

Re: Electric Car Charger - options/Amp settings?

Vehicles have a limit on how much electricity they can accept per hour. The prior Leaf could accept 6.6 kW, so anything more would be wasted. The new Leaf I could not find a number on easily, but if you do the math the rate seems the same. Looks like 6.6 kW also for the 2019 Leafs: https://www.niss...
by Afty
Fri Oct 11, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5989

Re: Replace water heater just because it's old?

I considered this a year ago and decided not to because our water heater is in our garage so leak wouldn't be catastrophic, and you can get one replaced pretty quickly. The water heater did in fact fail recently, but it was not a huge hassle to have it replaced even on short notice.
by Afty
Fri Oct 11, 2019 1:31 pm
Forum: Investing - Theory, News & General
Topic: 529 and FIRE
Replies: 29
Views: 3244

Re: 529 and FIRE

Even if you have no income, if you have $3M in assets your kids won't get financial aid. Try and see with one of the financial aid calculators out there. It's easy to construct scenarios where a FAFSA school doesn't even see the assets, even at that level. Whether a family wants to organize their l...
by Afty
Fri Oct 11, 2019 12:37 am
Forum: Investing - Theory, News & General
Topic: 529 and FIRE
Replies: 29
Views: 3244

Re: 529 and FIRE

Even if you have no income, if you have $3M in assets your kids won't get financial aid. Try and see with one of the financial aid calculators out there.
by Afty
Wed Oct 09, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Should I download Android 10?
Replies: 12
Views: 794

Re: Should I download Android 10?

I've been using it on my Pixel 3 for a few weeks now. No issues. I like the new gesture navigation system.
by Afty
Wed Oct 02, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: Dishwashers
Replies: 24
Views: 1668

Re: Dishwashers

I’ve stopped rinsing based on advice from here and Consumer Reports, and our plates are coming out just as clean. Maybe you need a better detergent? We’re using Kirkland brand in a Miele dishwasher.

Detergents are not abrasive these days and instead use enzymes to break down stuck on food.
by Afty
Tue Oct 01, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8533

Re: Scam Alert - Verizon Wireless

This is a new one and pretty convincing IMO. Clever way to get around 2 factor authentication.
by Afty
Sun Sep 29, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: COSTCO Citicard credit/discount question
Replies: 32
Views: 3739

Re: COSTCO Citicard credit/discount question

curmudgeon wrote:
Sat Sep 28, 2019 12:31 pm
You can cash it (for cash) at Costco after you get it.
You can ask them to write you a (real) check also. This way you don't end up with a huge wad of cash.
by Afty
Tue Sep 24, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 with young kids.
Replies: 30
Views: 4171

Re: Tesla Model 3 with young kids.

I've taken our family of 4 (kids are 9 and 5) for a couple long trips in our Model 3, and it works fine. Great, even. There's a surprising amount of storage if you include the sub-trunk and the front trunk. Autopilot is amazing for long highway drives. There are plenty of superchargers, at least in ...
by Afty
Sun Sep 22, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to value RSU during salary negotiation
Replies: 36
Views: 3202

Re: How to value RSU during salary negotiation

You can think of RSUs (for a public company vesting over several years) as a kind of retention bonus. There are certainly risks, but in all likelihood you’ll end up receiving them, and it’s easy to turn them into cash. However, I’ve seen people make the mistake of assuming they will continue to get ...
by Afty
Wed Sep 18, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3373

Re: Used Tesla S or new Tesla 3?

A piece of advice: IMO Full Self Driving is not worth it. Base Autopilot is quite good and includes 90% of the useful features (adaptive cruise control and lane keeping). FSD adds the following features: Auto lane change, in which the car changes lanes for you when you signal while on Autopilot. Act...
by Afty
Wed Sep 18, 2019 12:34 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11684

Re: How do you spend money to gain time? (young family)

delamer wrote:
Tue Sep 17, 2019 5:06 pm
Yes, it really is subjective. Laundry is the least time-consuming and simplest household task; it’s the last one I’d pay someone else to do.
Same for us. I kind of enjoy doing laundry. Also I've convinced my kids to fold and put away their own laundry for $1/load.
by Afty
Tue Sep 17, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 11684

Re: How do you spend money to gain time? (young family)

We do a lot of planning to optimize our time. We use a spreadsheet to plan meals for the week. We do meal planning on Saturdays then buy the groceries we need to make those meals. When we get home we don't have to think about what to eat, we just look at the spreadsheet and do that. One person is re...
by Afty
Tue Sep 17, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating Salary out of College
Replies: 36
Views: 2297

Re: Negotiating Salary out of College

mak1277 wrote:
Tue Sep 17, 2019 10:57 am
I think your best bet is to secure another job offer (or more than one) if possible. This would give you both more information and possible leverage.
+1. Without another offer, you have very little leverage.
by Afty
Mon Sep 16, 2019 6:44 pm
Forum: Investing - Theory, News & General
Topic: Don't confuse strategy with outcome:
Replies: 94
Views: 6123

Re: Don't confuse strategy with outcome:

An optimal strategy maximizes expected value across all possible or foreseeable futures. But we experience only one of those futures, and an optimal strategy may not have the best outcome in any one specific future. Hence, don't confuse strategy with outcome.
by Afty
Mon Sep 16, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: Mustang...GT or Ecoboost?
Replies: 39
Views: 2092

Re: Mustang...GT or Ecoboost?

It seems a shame to buy a Mustang without a V8. Just my 2 cents.
by Afty
Sun Sep 15, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3373

Re: Used Tesla S or new Tesla 3?

I would (and did) go with the Model 3. The 3 is a newer car and has a lot of technology that a used S doesn’t. Newer Autopilot computer, more efficient motors, door pockets (lol). The 3, being smaller, is also more fun to drive. In CA a used EV won’t get you in the carpool lane; it can’t have been r...
by Afty
Sat Sep 14, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Managing joint finances when one is a perfectionist
Replies: 122
Views: 8274

Re: Managing joint finances when one is a perfectionist

As the spouse who manages the finances for a partner who has no interest whatsoever in the details--I'd say it is important to be reasonable about how much detail you expect to make the other be person 'interested in'. What if your husband said that he trusted you and he really wasn't interested in...
by Afty
Sat Sep 14, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Managing joint finances when one is a perfectionist
Replies: 122
Views: 8274

Re: Managing joint finances when one is a perfectionist

As the spouse who manages the finances for a partner who has no interest whatsoever in the details--I'd say it is important to be reasonable about how much detail you expect to make the other be person 'interested in'. What if your husband said that he trusted you and he really wasn't interested in...
by Afty
Fri Sep 13, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 3244

Re: What dish soap do you use?

Consumer reports has good info on washing machines. What I recall is that you are literally supposed to just scrape the dishes and load it up. The newer dish tablets have enzymes and longer wash cycles to dissolve all the dried on food, and that is where the savings in water comes from. Give it a t...
by Afty
Thu Sep 12, 2019 2:06 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9591

Re: How old is your cellphone?

Pixel 3. About 9 months old. Smartphones are one of my indulgences.
by Afty
Fri Sep 06, 2019 3:20 pm
Forum: Personal Investments
Topic: How do you let go of decisions that turned out to be the wrong ones?
Replies: 63
Views: 5224

Re: How do you let go of decisions that turned out to be the wrong ones?

Try to put things like this in perspective. Is your family healthy? Do you have enough money to buy the things you need? Then you're doing great. Don't sweat the small stuff.
by Afty
Wed Sep 04, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7763

Re: First-hand experiences with United Basic Economy for families?

I think it's interesting how little blame United is getting in this thread for setting up this situation in the first place. United knows that families are going to be enticed to buy basic economy seats and even set an FAQ entry telling them not to, but they still allow it. They could just as easily...
by Afty
Wed Sep 04, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Home warranty - is it worth the money?
Replies: 37
Views: 3139

Re: Home warranty - is it worth the money?

I will echo everyone else's advice to avoid home warranties. We received one (First American) with our house. We had an issue with our water heater, called the warranty company out and they refused to repair it. We were out the $75 copay for nothing. They also use low quality contractors and, if you...
by Afty
Wed Sep 04, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: First-hand experiences with United Basic Economy for families?
Replies: 180
Views: 7763

Re: First-hand experiences with United Basic Economy for families?

I wouldn't risk it. From the United Basic Economy FAQ : Q: If I'm traveling with my family, can we sit together if I purchase Basic Economy tickets? A: With Basic Economy, if you do not purchase advance seat assignments, we’re not able to guarantee that your family will be able to sit together. If i...
by Afty
Tue Sep 03, 2019 10:38 pm
Forum: Personal Consumer Issues
Topic: "Home" Cell Phone
Replies: 40
Views: 3549

Re: "Home" Cell Phone

T-Mobile has a prepaid plan with 30 minutes of voice and/or 30 text messages for $3/mo. No data, but they can just use wifi if they're at home. This is what we ended up using when our oldest started staying home by herself.
by Afty
Sat Aug 31, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Any Bay Area companies hiring part-time remote programmers?
Replies: 23
Views: 2215

Re: Any Bay Area companies hiring part-time remote programmers?

Also, I don't know about other FANGs, but my particular FANG doesn't usually hire remote engineers. We wouldn't hire a remote engineer unless that person were the world's expert in some area critical to the company. Even then it would be a tough sell to management.
by Afty
Sat Aug 31, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Any Bay Area companies hiring part-time remote programmers?
Replies: 23
Views: 2215

Re: Any Bay Area companies hiring part-time remote programmers?

I'm an L6 at a FANG. Levels.fyi numbers are accurate IME. However, most engineers top out at L5, so I wouldn't say one will "definitely" earn $500k+ with >10 years experience. There isn't enough L6+ work to go around on many teams, so you may need to switch teams and think strategically if you want ...
by Afty
Fri Aug 30, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 54
Views: 39708

Re: New cars w/ no CD player -- what can I do with my CDs?

The frugal way to deal with this is to rip all your CDs to your computer and then sync the MP3s to your phone. The more convenient and expensive way is to subscribe to a streaming service like Spotify (or Apple Music or Google Play Music or Amazon Music...). Don't let perfect be the enemy of the goo...