Search found 825 matches

by Afty
Thu Nov 15, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Withhold-to-Cover method for RSU grant
Replies: 6
Views: 314

Re: Withhold-to-Cover method for RSU grant

The company I work for also uses "withhold to cover," but it returns the difference between taxes due and the value of the shares withheld to us as cash in our paycheck. I'd expect your company to do the same; it seems unlikely they could legally just pocket the difference. I would try to clarify it...
by Afty
Wed Nov 14, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Enjoying Your Work
Replies: 23
Views: 2760

Re: Enjoying Your Work

Personally, I do find fulfillment in my work. It's interesting and there are always new challenges. I like the people I work with, and I feel our work has impact not just on our company but also in the wider world. There are certainly parts of my day-to-day that I don't like, but on the whole I enjo...
by Afty
Wed Nov 14, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 50
Views: 3936

Re: Accuracy of Zillow/Trulia/Redfin Estimates

The Zillow/Trulia/Redfin numbers you posted look pretty good when you consider that they were created by an algorithm, based only on public data, and posted for free on the Internet.
by Afty
Sun Nov 11, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3484

Re: International Travel during Maternity/Paternity

You are only trying to scam your paternity maternity leave into something other than it was intended. Don't be selfish. I strongly disagree. The purpose of paternity leave is to bond with your child and support your partner. It's not "scamming it" to do that on a trip. I only take issue with the fe...
by Afty
Sat Nov 10, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3484

Re: International Travel during Maternity/Paternity

I’ll echo the horror stories in this thread. Our first child was colicky and didn’t sleep for more than 2-3 hours at a stretch until she was 1. When she wasn’t sleeping, she was screaming. She also wouldn’t nap unless she was lying on you; our baby carrier was the only thing keeping us from going in...
by Afty
Fri Nov 09, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4759

Re: Calculating ROI for PhD

Computer science is another buyer's market. Is it? I recognize there are hot fields. If you have a PhD in AI from Carnegie Mellon then you can write your own ticket. I think Google hired the entire U of Toronto AI research lab? But, overall, the number of CS undergrad majors is something like half ...
by Afty
Thu Nov 08, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for bonus without knowing amount?
Replies: 32
Views: 1885

Re: How to plan for bonus without knowing amount?

I just save my bonus. I don't splurge with any of it, and I don't feel any real excitement when I receive it. I just think of it as part of my compensation.

Am I the most boring person on Bogleheads??
by Afty
Wed Nov 07, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Christmas gift suggestions for 2.5 year old?
Replies: 20
Views: 927

Re: Christmas gift suggestions for 2.5 year old?

My kids always enjoyed getting books as gifts. My in-laws would write a little note in the front of the book for each child, and years later I find those very meaningful. Plus books are small, cheap, and don't take up much room.
by Afty
Wed Nov 07, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 28
Views: 2217

Re: New job concerns

When they spoke about flexibility, I doubt they meant you leaving at 4:15pm every day for the duration of your employment. When I discuss something with a work colleague, they often hear something very different from what I thought I was saying. I speculate that is what happened in this circumstanc...
by Afty
Mon Nov 05, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Good read from Krebs on Security on Cardless ATMs
Replies: 4
Views: 830

Re: Good read from Krebs on Security on Cardless ATMs

Interesting. Apparently "cardless ATM" means that you simply log into your banking account via the bank's phone app, then use the app to generate a QR code that is read by the ATM before it dispenses your money. This means that anyone who gains access to your login credentials can withdraw your mone...
by Afty
Mon Nov 05, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Oakland Airport to Santa Rosa/Healdsburg - best route?
Replies: 8
Views: 439

Re: Oakland Airport to Santa Rosa/Healdsburg - best route?

+1 on checking Google Maps or Waze just before leaving the airport. There may be accidents or just random traffic.
by Afty
Fri Nov 02, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3324

Re: Used 2016 Lexus GS 350: 40k miles too much?

I bought a 2008 Infiniti with 60k miles in 2011. It initially had a problem with the transmission, which was repaired under warranty. Since then it's been 100% reliable. I don't drive a whole lot (<8k miles/yr), so I was happy to trade off the higher miles for a lower price. I would have no issues w...
by Afty
Tue Oct 30, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Vesting RSUs — does this contribute to a wash sale?
Replies: 12
Views: 861

Re: Vesting RSUs — does this contribute to a wash sale?

I believe this would count as a wash sale. At least, that’s what the concensus is where I work.
by Afty
Tue Oct 30, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: inherited IRA
Replies: 14
Views: 1333

Re: inherited IRA

Why do you want to leave Vanguard PAS? No offense, but from this thread you seem like the kind of investor who would benefit from having an advisor. If you just want a less aggressive allocation, you can ask for that. You will have this inherited IRA for many, many decades. On that timescale, this c...
by Afty
Tue Oct 30, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4759

Re: Calculating ROI for PhD

"Top 1%" in talent for what? Talent for research is very different from talent for taking classes or learning from books. I don't think you can evaluate talent for research without actually doing some.
by Afty
Thu Oct 25, 2018 1:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: Who/what made the helpful culture of Bogleheads?
Replies: 29
Views: 1934

Re: Who/what made the helpful culture of Bogleheads?

I think the clear and thoughtful policies, as well as the consistent enforcement by the mods, have been key. The "no politics" rule is IMO the best thing about this site.
by Afty
Mon Oct 22, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Car Dealer told us car was Certified, but it isnt
Replies: 80
Views: 5373

Re: Car Dealer told us car was Certified, but it isnt

Brakes pads and rotors are "wear items" that are not even covered under the bumper-to-bumper warranties on new cars, let alone used ones. So your entire story doesn't make a lot of sense to me. I think you're misunderstanding someone, and, as the prior poster noted, you definitely got ripped off on...
by Afty
Mon Oct 22, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8644

Re: Quitting w/o notice

I would strongly +1 the suggestion to take FMLA instead of immediately resigning. From https://www.dol.gov/whd/fmla/: The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance cov...
by Afty
Sat Oct 20, 2018 5:24 am
Forum: Personal Finance (Not Investing)
Topic: Property Tax - Deliquency date
Replies: 11
Views: 874

Re: Property Tax - Deliquency date

I see this as a slightly underhanded way for the state to earn a little interest on these property tax payments. The 2nd payment is "due" on Feb 1 but delinquent after April 10. That's kind of ridiculous.
by Afty
Wed Oct 17, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 4084

Re: Approach to rescinding a job acceptance

However you handle this, you're likely to burn a bridge. I would keep it brief and not elaborate on the reasons. You're not going to convince them anyway.
by Afty
Thu Oct 11, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1838

Re: Buying a pre-owned Lexus IS-250

I am looking to Buy a pre-owned 2015 Lexus IS-250 f-sports for $22k with 60k miles ( new retail price ~$43k) , what are the bogleheads thoughts on this purchase will someone recommend another car in this category at similar price point ? What made you pick this car? What are you looking for in a ca...
by Afty
Wed Oct 10, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Google's Titan Key for 2fa
Replies: 23
Views: 2140

Re: Google's Titan Key for 2fa

If you leave the key plugged in all the time and someone steals your computer they have your 2fa too, right? I'm guessing they still have to know your password to get in. But they could likely recover the password via the attached 2FA key. Depending on the site I guess. No, that’s not how it works....
by Afty
Sun Oct 07, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a pre-owned Mercedes Benz cash?
Replies: 46
Views: 4123

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

Congrats! The Civic Type R is an excellent car. 👍
by Afty
Sat Oct 06, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: pre med then med school factors
Replies: 18
Views: 873

Re: pre med then med school factors

Rather than reporting more anecdotes, I was curious what the data say -- what do physicians as a whole think about their career/profession? I found 2 surveys that ask such questions, the Great American Physician Survey and the Physicians Foundation Survey. The 2018 Physicians Foundation Survey repor...
by Afty
Fri Sep 28, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: What to consider when selling company RSUs
Replies: 18
Views: 1907

Re: What to consider when selling company RSUs

The most common way RSU plans work is you are granted x shares in year 0, and x/4 shares vest on the anniversary date each year (i.e. after 4 years, they have all vested). If this company gives out RSUs each year as part of your review process, in any given year (assuming you've been there for at l...
by Afty
Fri Sep 28, 2018 12:10 am
Forum: Investing - Help with Personal Investments
Topic: What to consider when selling company RSUs
Replies: 18
Views: 1907

Re: What to consider when selling company RSUs

The most common way RSU plans work is you are granted x shares in year 0, and x/4 shares vest on the anniversary date each year (i.e. after 4 years, they have all vested). If this company gives out RSUs each year as part of your review process, in any given year (assuming you've been there for at l...
by Afty
Thu Sep 27, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: What to consider when selling company RSUs
Replies: 18
Views: 1907

Re: What to consider when selling company RSUs

So i guess in a situation like this, is it possible to choose which chunk of stock we want to sell? Maybe for the old half, i'd save it a year for LTCG while selling the newer half now at STCG, but they wouldn't have grown as much. I think you can choose specific shares to sell and only sell the lo...
by Afty
Wed Sep 26, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Am I using facebook correctly?
Replies: 43
Views: 3381

Re: Am I using facebook correctly?

At the top right of each post, there are three dots ("..."). Click that and then "Hide post -- See fewer posts like this." You can also tell it never to show you reposts from certain "news" sources; I use that to keep my feed at least somewhat free from obviously biased political posts. I've seen t...
by Afty
Wed Sep 26, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Know Any Good Forums for Android Smartphone Users?
Replies: 7
Views: 861

Re: Know Any Good Forums for Android Smartphone Users?

www.reddit.com/r/android

There's probably also a subreddit for your particular phone model. I find the one for my my phone very useful.
by Afty
Wed Sep 26, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Am I using facebook correctly?
Replies: 43
Views: 3381

Re: Am I using facebook correctly?

At the top right of each post, there are three dots ("..."). Click that and then "Hide post -- See fewer posts like this." You can also tell it never to show you reposts from certain "news" sources; I use that to keep my feed at least somewhat free from obviously biased political posts.
by Afty
Tue Sep 25, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Non-spousal Inherited IRA
Replies: 18
Views: 1443

Re: Non-spousal Inherited IRA

Option #1 doesn't prevent you from withdrawing over 5 years or even all at once. You have to take minimum distributions but can take as much as you want. I don't see any downside to choosing that route. Vanguard at least has an auto RMD service that properly handles inherited IRAs, so your sister wo...
by Afty
Mon Sep 24, 2018 11:26 am
Forum: Personal Finance (Not Investing)
Topic: How to best plan for future large expenses?
Replies: 12
Views: 1144

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: 2126

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: 653

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: 578

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: 157
Views: 13054

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: 11562

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: 307
Views: 53831

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: 1954

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: 1954

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: 4427

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: 1980

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: 46
Views: 4123

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: 6874

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: 4699

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: 8340

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: 77
Views: 8849

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...