Search found 792 matches

by Afty
Mon Sep 24, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: How to best plan for future large expenses?
Replies: 9
Views: 569

Re: How to best plan for future large expenses?

Big +1 on not prepaying daycare. I found that the things that you look for before you have kids are entirely different than what you look for after you actually have kids in daycare. We went through 3 daycares for my oldest before finding one we were happy with. Remember also that kids switch rooms ...
by Afty
Sat Sep 22, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's Estate: Can you help please?
Replies: 44
Views: 1978

Re: Mom's Estate: Can you help please?

The new Apple Watch has fall detection. That might be more acceptable to her than something specifically for the elderly. https://support.apple.com/en-us/HT208944 I would keep her investments very conservative given how she and your dad invested throughout their lives. You could at least move the ca...
by Afty
Thu Sep 20, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Android podcast app that remembers where you are in podcast?
Replies: 15
Views: 578

Re: Android podcast app that remembers where you are in podcast?

Another vote for Pocket Casts. I have no complaints after several years of usage.
by Afty
Wed Sep 19, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Finding employers that match employee charitable causes?
Replies: 7
Views: 479

Re: Finding employers that match employee charitable causes?

JDRF has a search function on their website https://www.jdrf.org/donate/workplace-giving/ -- but that would only help if you knew the corporation in question. There's a list of the top 20 at https://doublethedonation.com/tips/matching-grant-resources/list-matching-gifts-companies/ . That "top 20" l...
by Afty
Mon Sep 17, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 11518

Re: Considering Quitting Job - Seeking Advice. Would you do it?

When my team's work gets difficult, one of my colleagues reassures us by saying, "Relax. We're not saving lives here." I'm guessing your work isn't saving lives either.* Is what you're getting out of it really worth the cost to your health and family? *My wife's work is literally saving lives (oncol...
by Afty
Mon Sep 17, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11119

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

But really, I think most people are unable or unwilling to accept or understand opposing viewpoints. It's not "sad" if someone loves their job and never wants to retire. Nor is it "sad" if someone is excited about early retirement because they don't want to work. It's only sad if someone does somet...
by Afty
Sat Sep 15, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52499

Re: What is your luxury good?

Craft beer

Totally agree with you on the ocean view hotel room, by the way. 😁
by Afty
Sat Sep 15, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Help w/ large annual bonus
Replies: 16
Views: 1885

Re: Help w/ large annual bonus

The longer you stretch out your DCA, the more likely it becomes that you would have been better off lump summing. This is because the market usually goes up, even when it’s at an all time high. Actually it spends a lot of time near all time highs, for just that reason. I acknowledge that it’s psycho...
by Afty
Fri Sep 14, 2018 10:23 pm
Forum: Investing - Theory, News & General
Topic: Help w/ large annual bonus
Replies: 16
Views: 1885

Re: Help w/ large annual bonus

This is the classic lump sum vs. dollar cost averaging question. The short answer is that investing immediately wins about 2/3 of the time, but DCA is fine if that better suits your risk tolerance. Either way the key is to eventually get it invested.
by Afty
Fri Sep 14, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing? -- 32 y/o lawyer in Bay Area
Replies: 32
Views: 4304

Re: How am I doing? -- 32 y/o lawyer in Bay Area

But I often feel I'm falling behind in the Bay Area. How much house can I afford? Any perspectives on staying in the Bay Area of moving to a cheaper cost of living metro (and likely taking a pay cut) from those that have considered it? Why did you choose to live in the Bay Area in the first place? ...
by Afty
Wed Sep 12, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: 1 year old birthday
Replies: 42
Views: 1886

Re: 1 year old birthday

Are there any parks nearby with picnic areas? Where I live, we can reserve the picnic area at the local park through the city website. That's typically what we do for our kids' birthdays. I have really fond memories of both my kids' first birthday parties. First birthday parties are really more for ...
by Afty
Tue Sep 11, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a pre-owned Mercedes Benz cash?
Replies: 44
Views: 3622

Re: Thoughts on buying a pre-owned Mercedes Benz cash?

Sorry to poke insult at one of your narrowed-down choices, but in my opinion the CLA250 is a cheap unrefined excuse for a Mercedes that was meant to hook in millennial fashionistas to the brand at a price point that makes for a relatively cheap lease. It looks good but that's about it. You pay for ...
by Afty
Sun Sep 09, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: I think my father has a gambling problem
Replies: 78
Views: 6696

Re: I think my father has a gambling problem

The troubling part to me is that, after a year away, you came to visit for 4 days and your father left for half of that to be at a casino. I kind of feel like whether or not he was gambling responsibly is beside the point, he chose visiting the casino (a place he could visit any day) over a rare op...
by Afty
Sun Sep 09, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4508

Re: How much do bogleheads save in 529?

I'm aiming for about 1/3 of private college room & board in each kid's 529 by the time they start. My wife works for a university, so our kids should get a tuition benefit worth another 1/3. Anything left over I plan to cash flow. If our kids decide to go to a public university, then between the tui...
by Afty
Sat Sep 08, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Scaring the Old Folks
Replies: 71
Views: 8131

Re: Scaring the Old Folks

I took a 2 month sabbatical this summer, and my expenses did increase. I did eat out more, probably more than 3x/week. Also travel definitely went up (which was the point of my sabbatical, but I think it would be the same for retirement). One more spending increase I didn't expect -- I bought more e...
by Afty
Fri Sep 07, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 69
Views: 7755

Re: Bose Noise Cancelling Headphones

The Wirecutter says the Bose QC 35 II are the best noise-canceling headphones: https://thewirecutter.com/reviews/best-noise-cancelling-headphones/ I have a set of the older QC 15 model, which I use mostly on airplanes and occasionally at work. They reduce noise remarkably well, and the sound quality...
by Afty
Tue Sep 04, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9464

Re: How to "waste" money on groceries?

We buy a lot of fresh fruit and vegetables. Berries especially can be expensive, but my kids love them, and, contrary to my penny-pinching instincts, I know it's more important for them to eat healthy than for us to save a few bucks. We also eat fish at least once a week, often twice. Again, it's mo...
by Afty
Sun Sep 02, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3102

Re: Piano for a child

I bought a Roland FP-30 digital piano when my daughter started taking lessons. I was pleasantly surprised at how it feels and sounds compared to a mechanical piano. Of course they are not the same thing, but I wouldn’t want to go through the hassle and expense of a mechanical piano before knowing if...
by Afty
Sat Sep 01, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Running/Attending 1st Marathon - Philadelphia
Replies: 9
Views: 828

Re: Running/Attending 1st Marathon - Philadelphia

I ran the Philly Marathon in 2010 and stayed in a hotel about 1.5 miles from the start. That worked well for me, but I was coming from out of town. I agree with the previous poster that these smaller marathons don’t cause the kinds of traffic nightmares you might expect. You will probably not have t...
by Afty
Sat Sep 01, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8335

Re: Mega Downsize....

I use the following criterion: If I haven't used something in the last 2 years, I get rid of it. I've also let go of trying to get the maximum value for those things -- I do sell some stuff, but I also donate lots of stuff and feel comfortable with that. Another attitude shift you might try: Don't w...
by Afty
Wed Aug 29, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21665

Re: Decent compensation to move to Bay Area CA?

All the SV workers I know: - Work a hard day, age very quickly (grey by age 40) - Weekends/evenings are expected - Must answer emails/texts/calls promptly They are OWNED by the company. Paid well though :| I am a staff software engineer (step above senior) at a FANG company. I've worked there 7 yea...
by Afty
Fri Aug 24, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21665

Re: Decent compensation to move to Bay Area CA?

We still don't own, but rent in Pleasanton area (just as nice of a house as we had before, 4K a month). Out of curiousity, how do landlords make any money renting a house for 4k that is probably worth 1+million? 4k/month would barely cover the property tax bill, no? Property taxes in CA don't incre...
by Afty
Fri Aug 24, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: What to do with cash in this market?
Replies: 34
Views: 3264

Re: What to do with cash in this market?

cash is paying about 2%. An equity market at or near its high after a long bull market and the Fed still suggesting some interest hikes -- I wouldn't be in a rush to invest. There are always storm clouds on the horizon but we have a potential trade war due to tariffs and a chance that the elections...
by Afty
Fri Aug 24, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 89
Views: 5589

Re: physics/math major looking for programmer/analyst job?

This got me thinking. My undergrad degree is in physics, graduated in the early 2000s. Looking at where my classmates are now, I'd say more than half of us are either software engineers or data scientists. It seems to be a good path for someone with a physics background.
by Afty
Fri Aug 24, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Real estate in SF bay area
Replies: 26
Views: 2100

Re: Real estate in SF bay area

This topic was the front page story last Sunday in the L.A. Times. The main point of the article was that after prop 13 passed, prop 58 allowed a house to be passed down to the owner's children without a property tax increase. (Later on there was another proposition that passed that allowed generat...
by Afty
Thu Aug 23, 2018 11:11 pm
Forum: Personal Consumer Issues
Topic: Best way to get Skype or Facetime on a TV?
Replies: 16
Views: 1028

Re: Best way to get Skype or Facetime on a TV?

We had a home theater PC we used to use for Skype, but as you predicted it was too inconvenient and we stopped using it. Nowadays the kids are old enough not to destroy a phone/tablet, so we do video calls that way.
by Afty
Thu Aug 23, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21665

Re: Decent compensation to move to Bay Area CA?

Consider also the potential for your total comp to grow considerably as you stay at the FANG company. High performers will get an RSU refresh every year that vests over 4 years, so that by year 4 you have 4 (hopefully large) grants all vesting at the same time. By that point RSUs become a large frac...
by Afty
Thu Aug 23, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash in this market?
Replies: 34
Views: 3264

Re: What to do with cash in this market?

I've only been reading Bogleheads for 4 years, but I've seen this exact thread many, many times over that period. None of those have been right so far. Eventually one of them will be, but the odds are against you.
by Afty
Thu Aug 23, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate in SF bay area
Replies: 26
Views: 2100

Re: Real estate in SF bay area

I agree that Prop 13 potentially makes this a good rental. Be very careful though to transfer it properly to avoid losing the Prop 13 property tax, especially since this situation seems complicated with multiple owners of different generations.
by Afty
Thu Aug 23, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or hold for housing crash in Bay Area CA
Replies: 27
Views: 2950

Re: To buy or hold for housing crash in Bay Area CA

Obviously, opinions will differ. But, you can count me as a "No, No, and No!!!!" vote. 5: I tend to think that the world will get smaller as more tech firms allow 100% remote work. This will allow more employees to choose where they will live, and I think that this have a leveling effect on all US ...
by Afty
Wed Aug 22, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Varying college costs across kids in the same family
Replies: 92
Views: 5186

Re: Varying college costs across kids in the same family

I have a friend who was in this situation (as the child, not the parent). He and his younger sister were both top students and were both accepted at HYPS schools. My friend chose instead to attend a lower-ranked university on full merit scholarship. His sister attended HYPS paid for by their parents...
by Afty
Tue Aug 21, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: VG PAS Recommendations - Surprised/Disappointed?
Replies: 14
Views: 1654

Re: VG PAS Recommendations - Surprised/Disappointed?

FWIW, I use PAS and had existing taxable holdings of S&P 500. PAS balanced it out by adding Extended Market (VEXAX). My experience has been that they recommend essentially a 3 or 4 fund portfolio that Bogleheads would be comfortable with. Maybe with a higher international allocation than your averag...
by Afty
Mon Aug 20, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: San Diego - where to stay, what to do with 6 year old
Replies: 30
Views: 2128

Re: San Diego - where to stay, what to do with 6 year old

I'll echo that my kids (6 and 3) didn't enjoy the zoo as much as my wife and I did.
by Afty
Mon Aug 20, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: San Diego - where to stay, what to do with 6 year old
Replies: 30
Views: 2128

Re: San Diego - where to stay, what to do with 6 year old

My six year old enjoyed Legoland enough to ask for a second day there. We were in SD over spring break a couple years ago, and we left one day open for the kids to decide what they wanted to do. We were kind of hoping they would want to go to the Safari Park or Seaworld, but they chose to go back to...
by Afty
Sat Aug 18, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 14925

Re: The Fall of Consumer Reports

While I want to like CR, I find that their reviews often don’t match up to reality, or that the criteria they base their ratings on are not the ones I actually care about. For example, I was recently looking for a new vacuum cleaner. The top rated one on CR got terrible reviews on Amazon, with sever...
by Afty
Fri Aug 17, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 89
Views: 5589

Re: physics/math major looking for programmer/analyst job?

- he’d love to get an ms but doesn’t have a $ to his name Most engineering (and probably CS) graduate programs will be funded. Usually covers tuition and a salary - he won't get rich, but usually enough to live on without taking a 2nd job. My data might be dated - at the time I went through, most M...
by Afty
Fri Aug 17, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3823

Re: Best (most practical, low cost) Luggage for Airline Travel

I have had 2 hard sided suitcases get destroyed by having one of the wheels sheared off. One was a Delsey, the other a Timberland.

I’m using an Amazon Basics branded soft sided suitcase right now that has survived multiple trips. Happy with it so far.
by Afty
Thu Aug 09, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Device to listen to while exercising?
Replies: 23
Views: 1763

Re: Device to listen to while exercising?

Most people today use a smartphone. There are also still some MP3 players left, such as the Sansa Clip. You can “rip” your CDs to MP3s using Windows Media Player on a PC or iTunes on a Mac.
by Afty
Fri Aug 03, 2018 1:03 am
Forum: Personal Consumer Issues
Topic: Storing Cord Blood For New Baby
Replies: 13
Views: 1605

Re: Storing Cord Blood For New Baby

The American Academy of Pediatrics' official recommendation is to donate cord blood instead of private banking: http://pediatrics.aappublications.org/content/early/2017/10/26/peds.2017-2695 My wife is a pediatric oncologist and is very insistent about this. We donated the cord blood from both our ch...
by Afty
Sat Jul 28, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Frugality and Cash Rewards: What to keep vs. what to let go
Replies: 16
Views: 2374

Re: Frugality and Cash Rewards: What to keep vs. what to let go

I am still in the accumulation stage, but I have given up on things like optimizing credit card rewards, clipping coupons, etc. Just too busy for it to make sense. I try to find a “good enough” strategy that gets most of the benefit and just let go of trying to optimize fully. For example, with cred...
by Afty
Wed Jul 25, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: How early to get to an airport (JFK specifically) for domestic flight
Replies: 21
Views: 1681

Re: How early to get to an airport (JFK specifically) for domestic flight

I've arrived at JFK an hour before and missed my flight. The lines at JFK can be terrible. I would give yourself at least an hour and a half.
by Afty
Sun Jul 22, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Weekly reading to increase knowledge on business / tech
Replies: 12
Views: 1240

Re: Weekly reading to increase knowledge on business / tech

Stratechery is solid. As someone in the industry, I sometimes feel Ben understands what we do better than we do ourselves.
by Afty
Thu Jul 19, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 9096

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

harrington wrote:
Thu Jul 19, 2018 12:27 pm
Part of me wants to continue holding it to pass on to the next generation and part of me says to sell it and buy an index fund for more diversification.
Don't get attached to stocks. I think you know what the right decision is here.
by Afty
Thu Jul 19, 2018 12:43 am
Forum: Investing - Theory, News & General
Topic: The other side of stock buybacks
Replies: 24
Views: 2320

Re: The other side of stock buybacks

Don’t we Bogleheads always tell people to sell their shares as soon as they vest? Then why should it be any different for CEOs?
by Afty
Wed Jul 18, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7582

Re: How do you handle the urge to DO something?

Can you channel your energy into other things? Your kids, a hobby, your work, a personal project, etc.?
by Afty
Tue Jul 17, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 41
Views: 4892

Re: How can I obtain compensation data?

Try the Blind app and the salary sharing threads on the cscareerquestions subreddit. Wow, great subreddit, tons of info. Thanks a bunch for the recommendation! Blind app seems like a great concept. But they need verification via work email. I understand this is a requirement for trust, but it's giv...
by Afty
Tue Jul 17, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 5814

Re: Which minivan?

We just rented a Sedona for a summer trip, and we were pretty impressed. We had 6 people (4 adults and 2 kids) in the car + luggage for a week at the beach, and it fit everything in reasonable comfort. The ride was much smoother than that of a Dodge Caravan we had on another trip. I would look close...
by Afty
Mon Jul 16, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Perfecting Cold Brew Coffee
Replies: 14
Views: 1368

Re: Perfecting Cold Brew Coffee

Ah, a topic close to my heart. :) It's taken some experimentation, but I'm pretty happy with the cold brew I'm making now. Ratio: I use 12 oz of coffee grounds per 7 cups of water to make the concentrate. When I drink it, I dilute the concentrate by 2 parts water to 1 part concentrate. Time: I brew ...