Search found 1049 matches

by Afty
Sun Sep 22, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to value RSU during salary negotiation
Replies: 12
Views: 970

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: 3049

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: 150
Views: 9721

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: 150
Views: 9721

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: 2086

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: 82
Views: 4546

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: 1820

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: 3049

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: 114
Views: 6933

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: 114
Views: 6933

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: 2947

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: 159
Views: 7458

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: 4868

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: 7163

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: 2915

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: 7163

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: 3352

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: 2114

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: 2114

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: 37543

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...
by Afty
Thu Aug 29, 2019 11:02 am
Forum: Investing - Theory, News & General
Topic: Please explain Generation-Skipping Tax to me (U.S.)
Replies: 4
Views: 709

Re: Please explain Generation-Skipping Tax to me (U.S.)

Yes, thank you Bill for the explanation. One thing I am not understanding is how the GST exemption interacts with the estate tax exemption. Presumably the GST exemption and estate tax exemption do not stack. Which gets applied first? Also my understanding is that the purpose of the GST is to discour...
by Afty
Wed Aug 28, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Friend has cancer. What should be the next steps?
Replies: 65
Views: 4913

Re: Friend has cancer. What should be the next steps?

I'm so sorry to hear this. A few stray thoughts and suggestions. Consider setting up a Gofundme. As people find out about the diagnosis, they will want to help in whatever way they can. A friend was recently diagnosed with stage 4 cancer and was able to fund her entire treatment through Gofundme. I ...
by Afty
Wed Aug 28, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: Please explain Generation-Skipping Tax to me (U.S.)
Replies: 4
Views: 709

Please explain Generation-Skipping Tax to me (U.S.)

I've read Wikipedia et al. on the Generation-Skipping Tax, but I'm still not understanding, especially around the actual impact of giving a large amount of money to someone 2+ generations younger and how it interacts with the normal estate tax. Can someone explain in a way that a newbie can understa...
by Afty
Tue Aug 27, 2019 9:37 pm
Forum: Personal Investments
Topic: Mega 529s!!
Replies: 13
Views: 2004

Re: Mega 529s!!

If you are the beneficiary, you do not use any gift tax allowance. I understand that one can change beneficiary of an existing 529 account. If one can contribute more than gift tax allowance to own 529 and change the beneficiary few years after, does one have to pay gift tax at that later time or n...
by Afty
Tue Aug 27, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off 0% car loan early
Replies: 52
Views: 2491

Re: Paying off 0% car loan early

I think you know what feedback you're going to get :D Are there any reasons other than the debt bugging you that you might do this? Would it save you any time or any risk of missing a payment? For example, once when I moved I forgot to update my address with a creditor and missed a payment. One way ...
by Afty
Mon Aug 26, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8237

Re: Coffee becomes cold too soon

Go to your closest Walmart and get one of these: https://www.walmart.com/ip/Ozark-Trail-20-Ounce-Double-Wall-Vacuum-Sealed-Tumbler/980790838 Coffee stays hot for 4,5,6 hours. The tech in these tumblers is great. Yeti, Arcteryx, Pelican, Ozark Trail, they all function very similarly. Hot stays hot. ...
by Afty
Mon Aug 26, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Best method for handling work task list and note taking?
Replies: 28
Views: 1993

Re: Best method for handling work task list and note taking?

I do carry my laptop everywhere and use it both to take notes and to manage my task list. All documents are in Google Docs, which is what my company uses instead of MS Office. It has two features that make it especially well suited for note taking: 1) You can give permission for all meeting attende...
by Afty
Fri Aug 23, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Financially independent - now completely lost
Replies: 30
Views: 5494

Re: Financially independent - now completely lost

My kids are younger (elementary school age), but I took a sabbatical last summer to spend time with them. We traveled and visited friends and relatives in other parts of the country. We did some local "staycation" type stuff -- visiting local tourist attractions, hiking, museums, amusement parks, et...
by Afty
Fri Aug 23, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: iphone battery issue?
Replies: 32
Views: 1538

Re: iphone battery issue?

Are you sure the phone was new? According to https://www.att.com/buy/phones/browse/Apple, the oldest iPhone that AT&T still sells new is the 7.

I wonder if yours was refurbished and you got a subpar battery. Either way you should take it back to AT&T and get a replacement.
by Afty
Thu Aug 22, 2019 12:42 pm
Forum: Personal Investments
Topic: Inheritance Question
Replies: 17
Views: 2616

Re: Inheritance Question

Also, I agree with the suggestion to do backdoor Roth contributions, and if you're not already maxing your 401k, consider doing that as well using the proceeds from your RMDs.
by Afty
Thu Aug 22, 2019 12:34 pm
Forum: Personal Investments
Topic: Inheritance Question
Replies: 17
Views: 2616

Re: Inheritance Question

I would not use Vanguard 2030 in a taxable account due to tax-efficiency issues. It's also difficult to get out once you make this choice in a taxable account, because of capital gains. Consider taking the time to set up a 3 fund portfolio across all your accounts, including your 401k. You could mir...
by Afty
Wed Aug 21, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 16892

Re: White collars- How much is your work downtime?

As a software engineer, I've worked both types of jobs, one with >50% downtime and one with practically 0%. I much prefer being busy. Being bored at work is the worst and makes you feel like you are wasting your life. When you're busy, you feel productive and like you are accomplishing something val...
by Afty
Sat Aug 17, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Best method for handling work task list and note taking?
Replies: 28
Views: 1993

Re: Best method for handling work task list and note taking?

I do carry my laptop everywhere and use it both to take notes and to manage my task list. All documents are in Google Docs, which is what my company uses instead of MS Office. It has two features that make it especially well suited for note taking: 1) You can give permission for all meeting attendee...
by Afty
Tue Aug 13, 2019 3:42 pm
Forum: Personal Investments
Topic: Paying current taxes vs continued high expenses
Replies: 31
Views: 1683

Re: Paying current taxes vs continued high expenses

If you support any charitable institutions, giving appreciated shares is much better than selling the shares and giving money. No tax will be due from either you or the charity, and you get a deduction for the full appreciated value of the shares. A related option is to use the appreciated shares t...
by Afty
Tue Aug 13, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 39
Views: 4560

Re: Do burglars steal and use paperwork?

We had a burglary a few months ago. The officer I spoke to told me that more sophisticated thieves will steal documents and commit identity theft. This didn't happen in my case, but it does happen according to the officer. Burglars want to get in and out as quickly as possible, so they will go to ob...
by Afty
Sun Aug 11, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: San Jose (CA) cost of living
Replies: 36
Views: 3851

Re: San Jose (CA) cost of living

jefmafnl wrote:
Fri Aug 09, 2019 6:01 am
Any more specific info about car insurance, car registration fees, and umbrella liability insurance premiums would be much appreciated,.
I can speak a bit to the auto costs. For our 2012 Kia Sorento:

Registration: $200/yr
Insurance: $1100/yr for full coverage w/ $500 deductibles
by Afty
Sat Aug 10, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 2819

Re: Checking credit card statements

I used to keep every receipt and match them up with my credit card statements. Occasionally I would catch a waiter giving themselves an extra dollar or two tip. Other than that I never found any fraud. I have stopped keeping receipts and now just do a quick one minute look at my statement to see if ...
by Afty
Thu Aug 08, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: San Jose (CA) cost of living
Replies: 36
Views: 3851

Re: San Jose (CA) cost of living

The local newspaper just ran an article about what you can rent for $2900: https://www.mercurynews.com/2019/08/06/ ... 0-get-you/
by Afty
Wed Aug 07, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: San Jose (CA) cost of living
Replies: 36
Views: 3851

Re: San Jose (CA) cost of living

Those numbers look pretty spot on to me, as a South Bay resident.
by Afty
Tue Aug 06, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 551
Views: 43118

Re: Talk me out of buying a Tesla Model 3

Here is a graph of a Model 3 charging at a 250 kW Supercharger. You can see that it holds 250 kW from 10-30%, then tapers off.

https://www.motortrend.com/news/teslas- ... ger-test-3
by Afty
Mon Aug 05, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 10881

Re: Insane to buy a sports car?

How about buying a reasonably fun daily driver, something like an M3 or (R)S4 or, dare I say it, a Model 3 Performance, and renting an exotic for occasional weekend drives? In my neck of the woods, there are quite a variety of Porsches available on Turo, and there is an exotic car club you can join ...
by Afty
Mon Aug 05, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Putting my wallet on a diet
Replies: 17
Views: 1810

Re: Putting my wallet on a diet

I switched to a minimal wallet that fits in my front pocket a few years ago. I carry a $20, two credit cards, ATM card, health insurance card, drivers license. It's so much nicer not to carry around some giant monstrosity.

Search Amazon for "front pocket wallet" for some examples.
by Afty
Sat Aug 03, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 551
Views: 43118

Re: Talk me out of buying a Tesla Model 3

I don't get the excitement over free supercharging. Electricity for these cars isn't all that expensive, and it's inconvenient to charge at superchargers compared to home.
by Afty
Fri Aug 02, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8251

Re: Extreme Anxiety with Time/Money

Right now I am sitting on 2 incomplete house projects and 2 incomplete financial projects. Also our hot water heater broke on Sunday. I feel your pain. I think you are getting good advice here, especially around being realistic about the long-term consequences of just not doing any one of those thin...
by Afty
Thu Aug 01, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 551
Views: 43118

Re: Talk me out of buying a Tesla Model 3

My M3 performance is slowest car on the road. After I saw shockingly high mph number on the screen when I was *slowing down* after passing some traffic on my daily commute, I decided to always drive it under the speed limit. Ironically, I drive much faster when I am in my older jalopies. This car w...
by Afty
Thu Aug 01, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 551
Views: 43118

Re: Talk me out of buying a Tesla Model 3

"Stealth" is what I got. There is a 5K or so performance upgrade, can get it with 18 inch wheels but still same price. Or call a sales center and ask for a 2K performance speed car, just the speed. No 21" wheels, no red calipers. I think my car was a factory performance with things removed to sell ...
by Afty
Wed Jul 31, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide what car to buy for your kid
Replies: 91
Views: 3943

Re: How do you decide what car to buy for your kid

Are you sure you son will want or need a car at college? My (now dated) experience was that having a car in college would have been a huge PITA, and that it was pretty easy to get around by bike, public transit, and Zipcar. Now students also have the option of Uber/Lyft.
by Afty
Wed Jul 31, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?
Replies: 122
Views: 9002

Re: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?

A thought on co-parenting: it can be difficult for the primary parent to give up control when the other parent is supposed to be in charge. If you really want this to work, you have to make peace with the fact that the other parent is not going to do everything exactly how you would do it. My wife ...
by Afty
Tue Jul 30, 2019 6:36 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6137

Re: What's your Uber passenger rating?

Mine is 4.72. Recently a driver actually asked me why my rating was so low, as I seemed like a normal friendly passenger. I have no idea what I'm doing wrong. A lot of the time I travel with my kids and have to install car seats. I wonder if that annoys the driver.
by Afty
Tue Jul 30, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 9112

Re: Bloomberg: Forget Tech, Medicine Still Pays More

I agree with the advice that the student should think about what they actually enjoy and not focus so much on the money. Both fields pay very well, and the aggregate differences in comp can be easily outweighed by ability or even sheer luck. My mom also wanted me to become a doctor. I wanted to work...