Search found 253 matches

by srt7
Sat Nov 17, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Warm winter vacation
Replies: 19
Views: 1411

Re: Warm winter vacation

TravelGeek wrote:
Sat Nov 17, 2018 1:19 pm
srt7 wrote:
Sat Nov 17, 2018 1:05 pm
Warm winter, no beach requirements, couple only = Las Vegas!
What’s your definition of warm?

https://www.vegas.com/weather/averages.html
50s and above.
by srt7
Sat Nov 17, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 131
Views: 10097

Re: How Long / Hard To Become a Millionaire on Under $100k Income

If we get enough inflation, we can all be millionaires! A million isn't what it used to be, and it won't be what it is now. Live life well, save prudently - and, while goals matter, maybe don't worry too much about the 7 figures? This is good advice. LBYM, save and don't worry about a number (as it...
by srt7
Sat Nov 17, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 131
Views: 10097

Re: How Long / Hard To Become a Millionaire on Under $100k Income

My 20's were a completely lost decade financially. After losing a lot of my life's savings in the real estate crash and then the rest in a divorce (after paying $150k+ out of pocket for my ex's undergrad and dental school), at 30 I found myself struggling to finish my PhD dissertation and with a ne...
by srt7
Sat Nov 17, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 131
Views: 10097

Re: How Long / Hard To Become a Millionaire on Under $100k Income

dknightd, If you check your pay slip and so on, you will find that taxes (social security, Medicare, Federal, state) takes out about 30% of your gross income. So, saving 30+% of your gross income is equivalent to your annual expense. ... KlangFool I don't get it. How does saving 30% of gross equal ...
by srt7
Sat Nov 17, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Warm winter vacation
Replies: 19
Views: 1411

Re: Warm winter vacation

We normally go the Southern Cali, but with the wild fires we will most likely go to Texas this winter. Great food choices and everything is much cheaper than Cali. Texas does get cold in the winter. It may not be the same as New England etc. but it is no San Diego. And everything is cheap there for...
by srt7
Sat Nov 17, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Warm winter vacation
Replies: 19
Views: 1411

Re: Warm winter vacation

Warm winter, no beach requirements, couple only = Las Vegas!
by srt7
Fri Nov 16, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: The biggest / best web development technologies
Replies: 13
Views: 951

Re: The biggest / best web development technologies

KyleAAA wrote:
Thu Nov 15, 2018 4:42 pm
Angular7 with a .net core backend might be up your alley. You can use anything you want to serve up your APIs but since you already know .net it will be an easy transition.
I second this combination.
by srt7
Sun Nov 11, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage with or without spouse?
Replies: 26
Views: 1965

Re: Mortgage with or without spouse?

OP,

When I applied for a mortgage in Texas and refinanced a couple times, it was all only on my name. We both are on the deed though.

It's been more than a decade now and we have had zero problems so I highly recommend it (if financially possible to do it on one income).

Good luck!
by srt7
Fri Nov 09, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 108
Views: 12233

Re: Are We In A Real Estate Bubble?

From what I have seen in the northern parts of San Diego county prices are plateauing, they are getting to a point where there aren't enough capable buyers I think. To me it's looks like ~12x the median income starts becoming the upper limit for North County San Diego cities. At least for SFHs. And...
by srt7
Tue Nov 06, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5974

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

AUDI A6 .. other German names are a dime a dozen on the road.. A6 or A7 will be more exclusive ... I am a car enthusiast and can tell most cars by just their tail lights. But (for the life of me) I can never tell the difference between an A4 and an A6. Well ... perhaps that is why they seem "exclus...
by srt7
Tue Nov 06, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7438

Re: Never thought of living in Bay Area but just got a call from Tesla

I guess I'd wonder why they aren't able to higher someone from the immediate area for the job. Recruiters are notorious for searching for "leads" across the globe. Plus, for the right candidate, a company is also willing to foot the relocation bill. But nevertheless, it is a good question to ask yo...
by srt7
Tue Nov 06, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7438

Re: Never thought of living in Bay Area but just got a call from Tesla

WHY do you want to work for Tesla? Their values? Their brand? Fan of Elon? Fan of EVs? Fan of saving mankind the Elon way? Something else?

Because you seem to be happy where you are so I'm wondering what is the draw to even consider such a move.
by srt7
Wed Oct 31, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4663

Re: Am I Risking My Life to Sell My Car?

Life is all about priorities. What is yours?
by srt7
Wed Oct 31, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is an MBA worth it these days?
Replies: 53
Views: 6304

Re: Is an MBA worth it these days?

I've graduated with my undergrad in engineering and have worked in the construction industry now about 5 years. I want to get into the financial side of construction for commercial real estate, where I would evaluate/run financials on new deals. I have networked quite a bit and repeatedly get told ...
by srt7
Wed Oct 31, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2656

Re: Luxury Sedans for around $25k used with lower miles? AWD?

HEDGEFUNDIE wrote:
Tue Oct 30, 2018 8:06 pm
2015 BMW 5 series fits the bill
+1

Someone here mentioned that 528i is slow. That depends on your last ride. I personally own a 528i and think it's the best of both worlds when it comes to accelerating as well as fuel economy. My last car was a Lexus RX 350.
by srt7
Wed Oct 31, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2656

Re: Luxury Sedans for around $25k used with lower miles? AWD?

Best bet is LS460 you'll be straining the budget a touch for AWD but worth it. To the poster that said lipstick on a pig, drive the LS 460 and you will stand corrected. 5 series BMW is a good option too and much less expensive but won't hold value like LS460. Yeah, but it will be a blast to drive t...
by srt7
Wed Oct 31, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2656

Re: Luxury Sedans for around $25k used with lower miles? AWD?

Bacchus01 wrote:
Tue Oct 30, 2018 8:23 pm
HEDGEFUNDIE wrote:
Tue Oct 30, 2018 8:06 pm
2015 BMW 5 series fits the bill
Low miles, XDrive for $25k? Unlikely
While not at $25K I did see one in the Denver area for $28K. It was a 2015 528i xDrive with 22,000 miles on it.
by srt7
Sun Oct 28, 2018 8:01 am
Forum: Investing - Theory, News & General
Topic: For those that think the current selloff is normal
Replies: 25
Views: 5856

Re: For those that think the current selloff is normal

hdas wrote:
Sat Oct 27, 2018 5:12 pm
Unfortunately this type of stuff is not predictive of forward returns.
Ha! Nothing is and life would be predictable and boring if it did.
by srt7
Sun Oct 28, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9266

Re: Girlfriend's Student Loans

I'm 32 years old, debt free and earn a decent income. My girlfriend and I were both previously engaged, so early into our relationship we talked about a number of serious topics such as marriage, kids, and finances. I was a little shocked when I found out that she had taken out over 100k in student...
by srt7
Sat Oct 27, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4723

Re: Vehicle recommendations for long commutes in CO mountains

Toyota: 4Runner, Landcruiser
Lexus: GX, LX
by srt7
Thu Oct 25, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: Who profits from day to day market swings?
Replies: 13
Views: 1382

Re: Who profits from day to day market swings?

High frequency traders pay enormous sums of money to locate their servers at the exchange's data center. The speed of light in a fiber optic cable means a shorter travel distance results in data getting to their computers slightly earlier than to those physically farther away, and their orders arri...
by srt7
Thu Oct 25, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Is it risky to have all retirement savings with vanguard?
Replies: 43
Views: 5945

Re: Is it risky to have all retirement savings with vanguard?

Is it risky to have all retirement savings with vanguard? No what if vanguard goes out of business and we lose all our money? Even if Vanguard goes out of business it won't happen overnight. So you will have enough time to sell your funds and transfer it in to Fidelity etc. Is it risky to have all m...
by srt7
Tue Oct 23, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25656

Re: PSA: Don't buy a big house

A lot of puzzling posts in this thread. We have lived in North TX 20+ years. We have a 2600 foot house, and I would say for people at or near our income level that is very small. Houses over 3000 Sq ft are not at all uncommon. I never considered 3500 Sq feet a mcmansion. You have to get much bigger...
by srt7
Tue Oct 23, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25656

Re: PSA: Don't buy a big house

http://mcmansionhell.com You’re welcome Oh gosh, I had not looked at that for a LONG time, thanks. The beige kitchen with white appliances. Must.Have. :shock: That is my favorite website!! I love to show it to people who don't get why they are so ugly :) Different people like different things. Whil...
by srt7
Sun Oct 21, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8657

Re: Quitting w/o notice

OP, 2 weeks (or whatever time period) notices are total B.S., if you're on at-will employment agreement. Recommendations needn't be only from your past employer, they can be from your co-workers or your past to past employers/co-workers etc. Also, don't confuse this with "employment verification" .....
by srt7
Sun Oct 21, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 40
Views: 3401

Re: Has anyone taken out an online mortgage?

I've done both PenFed and Quicken/Rocket at different times for different properties. PenFed was great with rates and closing costs so went with them. Quicken ... not so much. Costco's lenders had so much better rates and closing costs so went with them. Also, with Quicken, I had to deal with multip...
by srt7
Sun Oct 21, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Versus Stocks
Replies: 67
Views: 7167

Re: Real Estate Versus Stocks

Real Estate is a business, and must be run as a business to be successful. It is not a "passive" investment or investment by "proxy". Stocks, etc, are not. Anyone can buy shares in Vanguard Total Stock and get into the "market". Not so with "physical real estate". Not even an "apples" to "oranges" ...
by srt7
Sun Oct 21, 2018 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell or rent out my bay area house?
Replies: 27
Views: 2782

Re: Should I sell or rent out my bay area house?

I have to relocate from SF bay area to another city. I have a house here with mortgage. I don't know if I should sell or rent out. I don't want to manage rental long distance. If I choose to rent I will have to hire a property management company. I will not have positive cash flow. Selling is more ...
by srt7
Sat Oct 20, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6046

Re: Pull kids from school for vacations?

We definitely try not to but there are times we had to do it. Obviously, absences in Elementary were easier to deal with than in Secondary. But we always made sure the teacher and school knew about our plans weeks ahead so they could tell us about homework, classwork etc. Depending on how we put it ...
by srt7
Wed Oct 10, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7839
Views: 1609161

Re: U.S. stocks in freefall

Well the journalists are all over it today: "it was impossible to gauge the full extent of the carnage..." "Just about every update seemed to bring greater grimness..." "It was not what people are used to..." "On Wednesday, it was all danger and worry." "Mr. Trump marveled at the size... " “This th...
by srt7
Tue Oct 09, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3562

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

quantAndHold wrote:
Tue Oct 09, 2018 4:09 pm
For a FIRST car? Get the slower one, not the zoom zoom one. Add snow tires as necessary.
+1 A Subaru Crosstrek perhaps?
by srt7
Tue Oct 09, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3562

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Alexa9 wrote:
Tue Oct 09, 2018 1:10 pm
AWD Snow Tire > FWD Snow Tire > AWD All Season > FWD All Season

Are you in the mountains? Then I'd go with a Subie/SUV/Pickup. Otherwise, Mazda is probably fine.
+1
by srt7
Mon Oct 08, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3819
Views: 1078784

Re: What Movie Have You Recently Watched?

A post reviewing the "Black Panther" and a reply have been removed. Please avoid any opinions which describe the racial makeup of this movie (offensive). As a reminder, see: General Etiquette avoid profanities, obscenities, lewd and otherwise offensive words and remarks Fair enough. Perhaps I got c...
by srt7
Mon Oct 08, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 295
Views: 19138

Re: Talk me out of buying a Tesla Model 3

Fellow Bogleheads, I made the mistake of test driving a Tesla Model 3 Performance this weekend. The car blew me away and now I want one. I know that to most on this forum, anything above and beyond a Corolla or a Prius is a waste of money so I'll make an appeal to those like me who like fast cars a...
by srt7
Mon Oct 08, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15538

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

OP, Austin is too crowded, too expensive (for Texas) and too hyped up so I'd skip it. Depending on where you live in Houston, your house could get flooded and/or you will be getting tired of hurrications. Why not look in to San Antonio or Dallas metro? Having said that, IMHO ... North Carolina is a ...
by srt7
Sun Oct 07, 2018 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4377

Re: New Car: No Collision/Comprehensive?

IMHO it isn't just about being able to cover the cost of your totaled car. What about the other car? Sure, you're a safe driver but [stuff --admin LadyGeek] happens and you could be at fault so consider paying for that brand new Tesla you just hit as well. Can you pay for it? What about medical bil...
by srt7
Sun Oct 07, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 28
Views: 2319

Re: Help with choices for new car

Hello, Need suggestions for a new car to purchase with cash. Current car is 2008 lexus IS bought new; doesn't handle well in snow/ice which occurs only several times a year where I live. Criteria for a new car: 1. Forward-collision warning 2. Automatic emergency braking 3. +/-AWD (all wheel drive) ...
by srt7
Sun Oct 07, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 28
Views: 2319

Re: Help with choices for new car

You don't need a new car and you don't need AWD. What you need are winter tires - tires designed to perform optimally in low temperatures and on ice and snow. Even a RWD vehicle like your IS will perform much, much better than the best AWD system with "all-season" tires. I put "all-season" in quote...
by srt7
Sun Oct 07, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4377

Re: New Car: No Collision/Comprehensive?

IMHO it isn't just about being able to cover the cost of your totaled car. What about the other car? Sure, you're a safe driver but [stuff --admin LadyGeek] happens and you could be at fault so consider paying for that brand new Tesla you just hit as well. Can you pay for it? What about medical bill...
by srt7
Wed Sep 19, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25522

Re: What is your single most expensive mistake?

Just a couple days ago I lost my car key, without having a spare one. What's worse, I know the key was picked up by some one living by, which means I couldn't leave car lock unchanged. This single one mistake cost me: 1. $300 - called Locksmith to open the door and make a programmed key, and 2. $50...
by srt7
Wed Sep 19, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25522

Re: What is your single most expensive mistake?

I’m only 23 so there haven’t been that many mistakes (yet), but my biggest mistake so far was going to college. I went to college for 2 years right after high school and quit with no degree and about $11K in student loan debt which I plan to have paid off in the next couple years. Looking back on i...
by srt7
Sat Sep 15, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1822

Re: Developer Laptop

Fellow programmers/developers, Due to firewall constraints with my work laptop, I'm looking for a personal laptop to sandbox whatever programming language or framework that peeks my interest. I'll probably be working with Hadoop and Python (data analysis) so I'm thinking I need a minimum of maybe 1...
by srt7
Thu Sep 13, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: New car or used?
Replies: 6
Views: 733

Re: New car or used?

Accord is sporty. The ES is not. Clearly, you don't care about sportiness or drive etc. So get the Lexus ES.
by srt7
Tue Sep 11, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: New Job (1st Management Role)
Replies: 30
Views: 3017

Re: New Job (1st Management Role)

I am in a similar situation. Pay: I essentially got a 20k bump since over 4 years. If I step down tomorrow I lose $700 but then get OT which means I can make plenty more. However, I have missed on a number of investment opportunities because of the hours and preoccupation with management. Family: W...
by srt7
Tue Sep 11, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10347

Re: Anyone else not save for cars?

I don't save specifically for cars. To me that is like saving specifically for electric bill or property taxes etc. Most areas within the USA requires a car so there is no escaping it. I also try to utilize any low APR offers available. Some like paying cash and other like holding on to it. To each ...
by srt7
Tue Sep 11, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10347

Re: Anyone else not save for cars?

I don't, because I just do not have anything left after trying to max HSA, 401K, and saving what's left to increase EF to our goal. I honestly don't know how it seems that (almost) everyone here can afford to max out 401K, IRAs, HSA, have 2 years EF, taxable, separate savings for cars, vacation, pa...
by srt7
Sat Sep 08, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5914

Re: Subaru: Crosstrek or Outback?

I would go with the Outback.
by srt7
Sat Sep 08, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3201

Re: Selling a newish vehicle yourself, how to do it?

Why do you want to sell it yourself? If it is just for the money I would suggest bringing the car to EchoPark or similar Carmax competition. They usually match it pretty close to the top end of what KBB says you could get from a dealer. At that point you can consider if a private sale is worth the m...
by srt7
Sat Sep 08, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3193

Re: Is it sensible to buy a car from Elon Musk?

He is kind of wacky. Maybe someone who isn’t wacky wouldn’t have undertaken starting an EV company, building a supercharger network, starting a Space company, landing reusable rockets on a barge, etc etc etc. I love my Model X. I have a deposit down on 4 Tesla Powerwalls. Musk smoking pot on camera...
by srt7
Tue Sep 04, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7161

Re: Daily Driver (Car) Over 100K Miles?

200K miles in under 10 years? 25K+ per year?

How does one put so many miles?