Search found 463 matches

by warner25
Mon Jul 13, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: My very first $martphone!!! Please help me decide.
Replies: 45
Views: 3043

Re: My very first $martphone!!! Please help me decide.

I bought a Moto G7 last year, and then replaced it with a Moto G Power this year after my G7 got smashed. It's hard to find G7s now, and yeah, the G Power is another year newer. Honestly, I don't think there's much perceptible difference. Both have the most exceptional battery life I've experienced ...
by warner25
Wed Jul 08, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: losing ability to ensure good computer hygiene- what to do
Replies: 49
Views: 3803

Re: losing ability to ensure good computer hygiene- what to do

I wouldn't use IT departments as the model for a family computer... it would be a great way to produce kids who are computer illiterate. I love this comment. My professional IT training had me thinking down the path of separate, locked-down accounts, but then I remembered what sparked my interest i...
by warner25
Tue Jul 07, 2020 4:26 pm
Forum: Personal Investments
Topic: Roth Advice, Military Related
Replies: 22
Views: 901

Re: Roth Advice, Military Related

What I was hoping would happen is someone would say "Look dummy, you have a military pension and 2 VG Roths. Just put some savings into a XYZ account and forget it". Well, if your projected expenses are less than your projected $3,500/month pension, then yeah, you can do whatever and it won't reall...
by warner25
Tue Jul 07, 2020 2:53 pm
Forum: Personal Investments
Topic: Roth Advice, Military Related
Replies: 22
Views: 901

Re: Roth Advice, Military Related

You are talking about the TSP traditional vs. Roth options vs. an IRA, and you do eventually need to understand the differences, but from this post and your previous thread in April, I think you need to understand and make some bigger decisions first. How much do you earn, spend, and save? What do y...
by warner25
Mon Jul 06, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Manager vs. Direct report salary issues
Replies: 151
Views: 10275

Re: Manager vs. Direct report salary issues

I don't know as much about the contracting side, but on the government side, defense is as hierarchical as they come. It would be a strange aberration for anyone to report to a lower grade employee. The level of respect and influence you get in meetings is directly proportional to how high your GS ...
by warner25
Sun Jul 05, 2020 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 248
Views: 16266

Re: Which College degrees are worthwhile?

If I was to going to evaluate a job, here would be my weighted ranking... I think that works for evaluating a "job" as you say, but that's different from evaluating a college major and career path which might take you through many different jobs, organizations, bosses, and even structural economic ...
by warner25
Sat Jul 04, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: Thinking about joining Air National Guard at 31 years
Replies: 94
Views: 6081

Re: Thinking about joining Air National Guard at 31 years

My biggest regret in life is never serving in the military. I get it, but if this is truly your biggest regret, I think you've done well. I've had some interesting opportunities and experiences, but what we do is mostly very mundane, bureaucratic, and dysfunctional. I've served in two different car...
by warner25
Sat Jul 04, 2020 4:29 am
Forum: Personal Consumer Issues
Topic: Thinking about joining Air National Guard at 31 years
Replies: 94
Views: 6081

Re: Thinking about joining Air National Guard at 31 years

A digression. Are there any service programs, not necessarily military, available to anyone who passes PT without age limits? In general, no within the military. I've heard of cases where experienced physicians get brought in directly as O-5/O-6 military doctors, who are well past the normal ages f...
by warner25
Sat Jun 27, 2020 11:13 pm
Forum: Personal Consumer Issues
Topic: Techies provide me best practices
Replies: 38
Views: 3469

Re: Techies provide me best practices

Here is my concise list of top account security recommendations that I've offered in similar threads on this forum... 1. Don't access your accounts from a machine that you don't own and maintain 2. Keep your own machine's OS and browser updated 3. Use a password manager to create and safely store un...
by warner25
Sat Jun 20, 2020 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do [we] need life insurance?
Replies: 28
Views: 2239

Re: Do Bogleheads even need life insurance?

I believe that your thinking on this is reasonable. As with retirement savings, a multiple of income (what most agents probably tell you) doesn't make sense because you spend less than you earn, and there are Social Security benefits as you pointed out. I agree that 10-20 years of household help for...
by warner25
Fri Jun 19, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: "Is this time different?"
Replies: 77
Views: 5669

Re: "Is this time different?"

It’s never different this time. Ever Except in cases of political revolution, one's home country currency becoming worthless, or some other discontinuity. See the charts for China and Russia in the Credit Suisse Gobal Investment Returns Yearbook. Of course, sometimes "this time is different" in a g...
by warner25
Thu Jun 18, 2020 1:09 am
Forum: Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 159
Views: 22139

Re: Clueless college new grad 22 yo, 200k income looking to start saving

$600k/year at age 27... $900k household income... well, four years ago I was the guy questioning the sustainability of this level of income. Bogleheads never fails to keep me humble and make me question my own life choices. I guess my original comment might still stand: don't build a lifestyle that ...
by warner25
Mon Jun 15, 2020 6:59 pm
Forum: Investing - Theory, News & General
Topic: WSJ: 1/3rd of investors over 65 sold ALL their equities between Feb 20-May 15th.
Replies: 81
Views: 8248

Re: WSJ: 1/3rd of investors over 65 sold ALL their equities between Feb 20-May 15th.

Most of this thread seems to assume that selling represents capitulation due to fear. Let's remember that many investors are not Bogleheads and never committed to a passive investing strategy in the first place. Most of my co-workers don't talk about investing, but the ones who do talk explicitly ab...
by warner25
Sun Jun 14, 2020 8:04 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4289

Re: Undergrad college list parameters.

Saying the difference is on them glosses over how often if the parents won't pay for it, it's not an option. Well, yeah, unfortunately. With four kids and a household income that will probably never exceed $150k, we will never be able to pay $72k/year for each of them to attend college. That's just...
by warner25
Sun Jun 14, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4289

Re: Undergrad college list parameters.

After forcing one's child into a specific career field, I wonder if arranged marriage also makes sense.
by warner25
Sun Jun 14, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4289

Re: Undergrad college list parameters.

We definitely have a different definition of "child abuse", legal or not. To be clear, there's a big difference between choosing not to pay for college, in general, and choosing not to pay for college because you want your child to become a professor/doctor/lawyer in a specific field and you have a...
by warner25
Sun Jun 14, 2020 2:40 pm
Forum: Personal Consumer Issues
Topic: Undergrad college list parameters.
Replies: 100
Views: 4289

Re: Undergrad college list parameters.

:shock: Hypothetically, if I decide not to pay for college for my children, child abuse? While it's not child abuse in any legal sense, I think the comments have merit. At some point, trying to exert more control over children will cause a rift. I think we see people push the limit on this forum in...
by warner25
Sun Jun 14, 2020 2:16 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 117357

Re: Why are you NOT buying rental properties?

gr7070 wrote:
Sun Jun 14, 2020 1:27 am
Again, pretty sure Wild Bill is talking about buying (raw/undeveloped) land that will eventually be developed.
But I'm not talking about WildBill. I think you keep misreading something. My reply was to the OP, tomtoms, who is not talking about raw land.
by warner25
Sat Jun 13, 2020 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Verify a young families priorities
Replies: 29
Views: 2450

Re: Verify a young families priorities

My big concern is more personal. He has been helpful and friendly, so hard to take away from him and his family during these times. You do realize that he has no qualms about taking money away from your family, right? I will remember this one whenever I hear about someone in a situation like the OP...
by warner25
Sat Jun 13, 2020 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 117357

Re: Why are you NOT buying rental properties?

...Identify an upcoming neighborhood... I think the term you want is "up-and-coming" No, I think he meant upcoming. He's talking about buying undeveloped land that hopefully will be the next neighborhood... WildBill was talking about buying raw land, but tomtoms said that he only buys positive cash...
by warner25
Fri Jun 12, 2020 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 117357

Re: Why are you NOT buying rental properties?

...Identify an upcoming neighborhood... I've seen you mention this a couple times. I think the term you want is "up-and-coming" but, in any case, this sounds a lot like "identify stocks that will go up." One can know where wealthier people have been moving and causing values and rents to rise, but ...
by warner25
Fri Jun 12, 2020 4:48 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: This Bull Market Isn't As Big As You Think
Replies: 26
Views: 5401

Re: Jason Zweig: This Bull Market Isn't As Big As You Think

...what exactly is good ol' Ford and GM doing for us in this Covid-19 economy to get our productivity going? ... we need Tech to connect with each other... I was thinking the same. I understand the difference between a good stock and good company, and I don't pick stocks, but my intuition is that F...
by warner25
Fri Jun 12, 2020 2:54 pm
Forum: Forum Issues and Administration
Topic: Why not add a "like" button to Boglehead posts?
Replies: 282
Views: 38954

Re: Is there an "upvote" feature in the forums?

I wish that people didn't quote entire posts to say "+1." In general, I think that the quote feature is overused, like when the first reply to a thread quotes the entire original post. Sometimes the Nth reply includes nested quotes of all N previous posts. It hurts readability. I think proper etique...
by warner25
Tue Jun 09, 2020 2:07 am
Forum: Investing - Theory, News & General
Topic: Going 100/0 to 52/48 Today (06/08/20) - Wish Me Luck
Replies: 51
Views: 5737

Re: Going 100/0 to 52/48 Today (06/08/20) - Wish Me Luck

Seems like a smart move to me... If $2 million+ is enough to retire, take some risk off the table. I know we're a tiny minority, but I'm with HomerJ. If age - 10 in bonds is often recommended around here, why not age + 10? My wife and I are slightly younger with a slightly smaller portfolio and sav...
by warner25
Mon Jun 08, 2020 7:22 pm
Forum: Personal Investments
Topic: Have recent events affected boglehead investment philosophy?
Replies: 41
Views: 2618

Re: Have recent events affected boglehead investment philosophy?

never change your long term plan due to short term events. +1. I’m stealing this quote. Just for the sake of argument, I think this line sounds true but is really a fallacy. It's not possible to know if an event is "short term" until it's over. The risk is always that things have fundamentally shif...
by warner25
Thu Jun 04, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 5959

Re: To what Broadband Speeds do you Subscribe and Why?

I have 1000/1000, which is my provider's only option (fiber to the home). I pay $65/month. Working from home full-time now and I can't imagine going below this. ...Most people way overestimate how much internet bandwidth they need... Yeah... $65 for symmetric 1 Gbps is a fantastic deal, but it's ha...
by warner25
Tue Jun 02, 2020 3:00 am
Forum: Personal Consumer Issues
Topic: question about modems & routers
Replies: 27
Views: 1816

Re: question about modems & routers

1) which password manager do you recommend? 2) do you recommend using an off site auto backup program? if so, which is best? 3) what do you mean by disaster recovery plan? like a list of all my passwords that I can access if my computer gets destroyed? 1. I use KeyPass but I'll stop short of recomm...
by warner25
Sat May 30, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: question about modems & routers
Replies: 27
Views: 1816

Re: question about modems & routers

not really neighbors but I dont really know how hackers work. do they just scour the internet all over the world looking for connections that are weak, vulnerable or just not protected sufficiently? I think that passively observing "connections" isn't worth any hacker's resources in 2020, except fo...
by warner25
Sat May 30, 2020 3:51 am
Forum: Personal Consumer Issues
Topic: question about modems & routers
Replies: 27
Views: 1816

Re: question about modems & routers

I think it's important to keep in mind that we're talking about layers of security here. How many layers do you need to feel "safe?" You can always add more. If your ISP is filtering traffic at its own border routers, and your device's operating system has its own firewall, do you really need anothe...
by warner25
Sat May 30, 2020 2:38 am
Forum: Personal Consumer Issues
Topic: question about modems & routers
Replies: 27
Views: 1816

Re: question about modems & routers

I vote yes, it is "safe" to just plug directly into your ISP modem/router. In my opinion, over the past 15 years, things have indeed progressed such that default security settings in major brands of hardware, operating systems, browsers, etc. are good enough now to be plug-and-play (unless you are t...
by warner25
Wed May 27, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford a new home?: FI vs YOLO
Replies: 12
Views: 1239

Re: Can we afford a new home?: FI vs YOLO

You could pay cash for a $2.5M home, stop working (and commuting) today, and increase your spending to $100k/year (3% of your remaining $3.5M net worth). You won the game a long time ago. I would just consider unwinding the rental property investments and moving all your assets to a balanced mutual ...
by warner25
Tue Mar 17, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Who is still going into work and why?
Replies: 41
Views: 2646

Re: Who is still going into work and why?

Some military is working, some is not (or on reduced hours/special provisions) I'm an active duty military officer still going to work everyday. We're preparing for people to telework, but the stuff I could do via telework is not essential. Everything that's essential to national security, in the s...
by warner25
Sat Mar 14, 2020 7:04 pm
Forum: Investing - Theory, News & General
Topic: So.... is this really "it"? Is this what we needed to mentally prepare for?
Replies: 158
Views: 14450

Re: So.... is this really "it"? Is this what we needed to mentally prepare for?

Due to the fractal behavior of the stock market, you have movements within movements within movements. Dips within rallies within plummets. The broad outline of what happened doesn't become visible until after it's all over. While it's happening, you are constantly being taken by surprise. Yes, I c...
by warner25
Sat Mar 14, 2020 12:25 am
Forum: Personal Finance (Not Investing)
Topic: How Will Corona Virus affect the Real Estate Market ?
Replies: 53
Views: 5872

Re: How Will Corona Virus affect the Real Estate Market ?

Well, for anyone near a military base, the DoD has suspended all movement of service members and families until at least May. About 1/3 of us move every year, so it's a big deal and will definitely distort real estate markets somehow. People who were in the process of buying or selling or terminatin...
by warner25
Sat Mar 07, 2020 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a university/college for my son a future Computer Science Major
Replies: 118
Views: 9393

Re: Choosing a university/college for my son a future Computer Science Major

I attended two of the schools on your list for a BA and MS in CS. Here are a couple thoughts... 1. I know this is a golden age for software developers, in terms of compensation, but wow! I continue to be stunned by the explosion in popularity of CS. For the last few years, I think that 9/10 threads ...
by warner25
Sun Feb 23, 2020 5:50 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6734

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

After being away for seven years, my concern is that the place may not feel like home anymore. Your life, and that of your friends and family, is different from life as you knew it back then, especially before having the kids. So I would limit expectations and avoid romanticizing it. There are pros ...
by warner25
Wed Feb 19, 2020 4:21 am
Forum: Personal Investments
Topic: Grappling with greediness
Replies: 44
Views: 9495

Re: Grappling with greediness

75/25 would not be all that aggressive for someone that is 33 years old... you are way too conservative for you age... 75/25 is not at all aggressive for early/mid-30s... Speaking of greed, I just find this amusing. As a community we've migrated from John Bogle's "age in bonds" to the commonly offe...
by warner25
Mon Feb 17, 2020 7:16 pm
Forum: Personal Consumer Issues
Topic: Federal employees doing software development
Replies: 6
Views: 838

Re: Federal employees doing software development

stan1 wrote:
Mon Feb 17, 2020 6:49 pm
I sent you a PM with a few specific worksites...
I saw it, thank you. I was going to reply but the system says you disabled receipt of PMs. I'd prefer to live away from DC, anyway, so it's good to see that most developers are probably working elsewhere.
by warner25
Mon Feb 17, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Federal employees doing software development
Replies: 6
Views: 838

Re: Federal employees doing software development

I think I found one in the 2210 series... https://www.usajobs.gov/GetJob/ViewDetails/559522700

It's still vague but does mention coding and debugging, at least. I wonder what reality looks like for this kind of position.
by warner25
Mon Feb 17, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: Federal employees doing software development
Replies: 6
Views: 838

Federal employees doing software development

Happy Federal holiday to everyone. I've searched USAJOBS and I'm looking for insight from anyone who does software development or works with developers in the Federal government. Do developers exist, or is development all contracted out with Federal employees doing project management? The USAJOBS li...
by warner25
Sat Feb 15, 2020 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Entry-Level Jobs with Pensions - What companies still offer pensions these days?
Replies: 155
Views: 12458

Re: Entry-Level Jobs with Pensions - What companies still offer pensions these days?

I wish there was a pro Rata option. Seems unfair for all the sacrifices they’ve made with deployments away from family. It's explicitly a retention tool. DoD introduced a "blended" system in the last couple of years to be more modern, offering a TSP match now, but notably 90% of the value of the re...
by warner25
Fri Feb 14, 2020 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Entry-Level Jobs with Pensions - What companies still offer pensions these days?
Replies: 155
Views: 12458

Re: Entry-Level Jobs with Pensions - What companies still offer pensions these days?

I personally would avoid the handcuffs of a pension. I know too many government employees who are relatively young and would like to move to a different state or do something different but feel they can’t leave because of the pension. So they’re just sticking it out in a sub-optimal situation for t...
by warner25
Wed Feb 12, 2020 4:16 am
Forum: Personal Finance (Not Investing)
Topic: Worried About AI Taking Your Job?
Replies: 54
Views: 3714

Re: Worried About AI Taking Your Job?

I'm a middle-manager in a huge organization, and I have no concerns about automation (as a computer scientist, I dislike the term AI) displacing me. Most problems seem to be people/personality/human emotion problems, so each one is unique. Everything we do as an organization seems to be about change...
by warner25
Sun Feb 02, 2020 10:41 pm
Forum: Personal Investments
Topic: Understanding "maxing out" retirement accounts
Replies: 47
Views: 3518

Re: Understanding "maxing out" retirement accounts

You will have trouble funding your kids' colleges. If they don't get well-educated in something relevant in this competitive economy, or if they do the 'Murican thing and load up on debt, it will be a multi-generation family disaster. Want grandkids? Is this hyperbole? Colorado in-state tuition for...
by warner25
Fri Jan 31, 2020 4:05 am
Forum: Personal Finance (Not Investing)
Topic: How does someone know whether they would enjoy being a manager?
Replies: 59
Views: 4354

Re: How does someone know whether they would enjoy being a manager?

...vague... political... working on projects that I know very little about... I like the idea of being an expert on something, and it seems like a lot of managers aren't the experts... I just want to say that you've succinctly captured everything that I hate about being in management. In an abstrac...
by warner25
Wed Jan 29, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter's Boston Job Offer
Replies: 115
Views: 9731

Re: Daughter's Boston Job Offer

...The important task learned in this whole process is to negotiate... Yes... I applied for jobs in the Boston area as a college senior in 2008, computer science, and I had no idea what I was doing. During my first on-site interview, an HR person asked about my salary requirements and I said, "Oh I...
by warner25
Wed Jan 29, 2020 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to save BIG in a HCOLA
Replies: 64
Views: 5253

Re: How to save BIG in a HCOLA

...Living xpenses without housing becomes 89K. We have no car payment so it’ll be less. I cant see us spend 89K a year without housing but what do I know about NoVa? :confused I'm confused too because those numbers don't add for me. 240 - 46 (taxes) - 80 (savings) - 36 (housing) = 78, not 89. Our n...
by warner25
Wed Jan 29, 2020 1:18 am
Forum: Personal Finance (Not Investing)
Topic: How to save BIG in a HCOLA
Replies: 64
Views: 5253

Re: How to save BIG in a HCOLA

We lived in Arlington, VA, in 2017-2018. I earned $100k/year after taxes and health insurance, my wife stayed at home with our two small children, and we put $30k/year into savings. We rented a single-family home that was $3k/month including utilities, valued at $650k by Zillow. It was old and quirk...
by warner25
Mon Jan 27, 2020 3:58 am
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 44099

Re: Engineers - What are you making? ($$$)

I started at one of the FAANG companies 12 years ago, out of college with a bachelor's degree making 80k... There sure are many more CS grads now than there were when I was going to school in the shadow of the dot-com bust. Yeah, I majored in CS at a fairly large school from 2004-2008, and I think ...
by warner25
Mon Jan 27, 2020 2:05 am
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 166
Views: 12088

Re: Cybersecurity and passwords

1. Use a separate browser for financial stuff. Don’t ever use that browser for anything else. Set up bookmarks, and only use it for that. What specific attack does this guard against? I don't actually do this, but I took the suggestion to be a defense against maybe cross site request forgery, sessi...