Search found 39 matches

by seppatown
Sun Nov 29, 2020 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: 30/F – Would it be worth purchasing a home?
Replies: 23
Views: 2488

Re: 30/F – Would it be worth purchasing a home?

-Not married -Not planning on getting married anytime soon -No kids -No car -Lone female who (I will assume) doesn't enjoy spending her spare time fixing stuff and having to deal with male contractors/tradesmen on her own You couldn't pay me to own a home in your shoes. And this is coming from a mal...
by seppatown
Wed Nov 18, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: Boglehead suggestions for a new sofa?
Replies: 25
Views: 2126

Re: Boglehead suggestions for a new sofa?

Outside of mass-produced consumer grade furniture (a sub 1k sofa would be deep in there), you're generally going to get durable materials for your money. Good quality starts at 2k for volume sellers like IKEA and Costco (no one comes close to beating them on quality at the 2k price point) and 3k for...
by seppatown
Tue Nov 10, 2020 4:30 am
Forum: Personal Finance (Not Investing)
Topic: Do 401k contributions reduce SE Tax?
Replies: 8
Views: 849

Re: Do 401k contributions reduce SE Tax?

401k contributions reduce state and federal tax only.
by seppatown
Fri Nov 06, 2020 2:12 am
Forum: Personal Finance (Not Investing)
Topic: severance negotiation
Replies: 83
Views: 4444

Re: severance negotiation

I would have liked to have a sensible manager like you. you probably never deceived your employee. I would also venture his type of story applies more to stable, mature work environments and less to start-ups and disruptive industries. OP stated he worked 3 jobs in 1 and I wouldn't discount him a c...
by seppatown
Fri Nov 06, 2020 2:03 am
Forum: Personal Finance (Not Investing)
Topic: severance negotiation
Replies: 83
Views: 4444

Re: severance negotiation

If the company recognizes how critical you are to the product, they will attempt to negotiate with you. If the company thinks you are actively trying to sabotage or blackmail them, they will let you go regardless of need. Like others have noted, your actions could be noticed by other employees, and ...
by seppatown
Thu Sep 10, 2020 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to stop judging how other people spend/invest
Replies: 76
Views: 4992

Re: How to stop judging how other people spend/invest

Another user mentioned being able to celebrate successes with your friends. I feel like this is a fundamental part of being a good friend and colleague. Judging the cost of such things often comes from a position of envy - which I actively do my best to avoid. That said, as a frugal person, I WILL j...
by seppatown
Thu Sep 10, 2020 12:52 pm
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 73
Views: 4883

Re: Repair plasma television or get new TV?

OP, I had the exact same TV as you until four months ago. 2020 Plasma crew checking in. Due to a home move, I gave away the TV (still in perfect working condition) and purchased a 65" Sony X950G. To be clear here, it's an LED TV, not OLED. I'm more than happy with the change. A couple specific ...
by seppatown
Wed Aug 12, 2020 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Venmo newly asking for personal information?
Replies: 20
Views: 3088

Re: Venmo newly asking for personal information?

To the self-identified dinosaurs - how are you paying and accepting money in situations that don't use credit cards? How does the nanny, plumber, tutor get paid? Do you write checks? Venmo is generally a more secure and convenient option, with better tracking to boot. I've noticed with the baby boom...
by seppatown
Mon Jul 06, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 8001

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

Only one person above has owned a LV wallet. My brother does as well. It cost about $600 direct from the store and is made of nylon. I'd guess it cost a little less than $1 to manufacture. I think it looks like a kid's wallet and wouldn't feel great about having to pull it out in public. The bulk of...
by seppatown
Wed Jun 24, 2020 3:58 am
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 121
Views: 7576

Re: New 4K TV: LED, QLED or OLED?

My family transitioned to a new 65" 4k TV after sitting content on a 1080p plasma for quite some years. We also have an assortment of other 4k, 1440p, and OLED devices. Based on my experiences with the above, as well as auditioning these units at the shop, I ended up getting the Sony X950g over...
by seppatown
Sat Jun 13, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: What Size Home For A Family?
Replies: 87
Views: 5623

Re: What Size Home For A Family?

One factor not yet mentioned is how much home size and configuration can affect lifestyle. I’ve personally noticed the following: Bigger homes -More frequent hosting of social events -A greater desire to stay at home when free time permits -Facilitates solo hobbywork -Compels home projects/renovatio...
by seppatown
Sun May 31, 2020 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for science PhD student
Replies: 78
Views: 6402

Re: Career advice for science PhD student

Synthetic chemistry is one of the most, if not THE most time-intensive discipline/s in STEM. OP could be looking at 7+ years of 60hr+ weeks in the lab. That’s not counting the postdoc. It’s a colossal waste of time for anyone not pursuing a career in benchwork. Agree with other recs to find a job an...
by seppatown
Tue May 12, 2020 4:11 am
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4999

Re: Front load washing machine recommendations

Propping the door with the magnetic latch is NOT problem solved. Many threads exist about this, propping or not. When you start with a clean slate (new or recently cleaned washer) and follow recommended use conditions with the magnetic latch, you will not get mildew, plain and simple. It is not a c...
by seppatown
Mon May 11, 2020 5:14 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4999

Re: Front load washing machine recommendations

I stuff my machine all the time. Once wet, there is plenty of space for the clothes to move around. https://www.youtube.com/watch?v=LJlUsColfMo https://www.youtube.com/watch?v=sqFgICKlvdU Usually, the machine has a weight rating, and that's the only thing one has to watch out for. You absolutely do...
by seppatown
Mon May 11, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4999

Re: Front load washing machine recommendations

I think another reason top loaders continue to be made and bought is due to the "stink issue" with front loaders. Manufacturers haven't fixed this really. Until people don't have to jump through hoops to prevent stink, top loaders will continue to be sold. Once word gets around that there...
by seppatown
Mon May 11, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4999

Re: Front load washing machine recommendations

Basically, you get cheaper, better cleaning at a higher upfront cost with front-loaders. The only scenario to get a top-loader is if you have severe back issues and line-dry clothes without issue. From the March 30, 2020 issue of Consumer Reports: https://www.consumerreports.org/top-load-he-washers...
by seppatown
Mon May 11, 2020 3:34 pm
Forum: Personal Consumer Issues
Topic: Got divorced how to get most value for exes wedding ring
Replies: 42
Views: 5231

Re: Got divorced how to get most value for exes wedding ring

Ebay market is liquid and you will get FMV. Will need original certs for max value. Known premium brands can command a higher price. Take good photos. If all you have is the ring now, bring it into a shop to assess carat weight, cut, diamond grade, and setting material. Don’t agree with assumptions ...
by seppatown
Sun May 03, 2020 8:39 pm
Forum: Personal Consumer Issues
Topic: Front load washing machine recommendations
Replies: 98
Views: 4999

Re: Front load washing machine recommendations

I highly recommend 99% of households on the market buy the LG WM3900HBA or WM3900HWA (only difference is color) 4.5 cu ft front loader and ride it out for the next 10 years problem-free. Why front loaders: -Laundry detergent technology has made significant advancements over the past few decades. Mos...
by seppatown
Sun Feb 16, 2020 6:30 am
Forum: Investing - Theory, News & General
Topic: How much should I offer for this brick and mortar business?
Replies: 75
Views: 5891

Re: How much should I offer for this brick and mortar business?

Small biz owner here. I would be very interested if I were in your shoes, and would like to point out that this is probably the worst place on the web for tactical small biz advice :). My two cents: 1. I agree that hybridizing the event space with an on-site photoshoot business can swing things arou...
by seppatown
Tue Nov 05, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 66
Views: 6355

Re: Stinky Front Loader (Washer)

https://www.thecloroxcompany.com/en-us/what-were-made-of/ingredients-inside/tilex/clorox-plus-tilex-mold-mildew-remover-44600305516/ I got curious and decided to look for a more thorough list of ingredients for Tilex Mold and Mildew. TBH nothing really stands out as far as cleaning ability vs plain ...
by seppatown
Tue Nov 05, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 66
Views: 6355

Re: Stinky Front Loader (Washer)

criticalmass wrote: Tue Nov 05, 2019 6:31 pm Isn't Tilex a Sodium Hypochlorite solution? The same as bleach, but might be dilluted in more water.
Bleach is listed in the msds, but from my experience Tilex does a better job handling soap scum and mildew.
by seppatown
Tue Nov 05, 2019 6:10 pm
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6756

Re: Airbnb - Guide a beginner

The line between Airbnb and other accommodation aggregators has blurred, especially for high-end listings. You can often find the same listing crossposted across multiple platforms. My best, most price-efficient stays have all been in Airbnb listings. That said, if you are older and have become accu...
by seppatown
Tue Nov 05, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 66
Views: 6355

Re: Stinky Front Loader (Washer)

I'll try this. But tell me, what is "mildew spray" and where do I get it? And do I just spray the washer? And do I put the CLR solution (I've heard of it and will Google it) in the detergent dispenser? Try Chlorox Tilex, but instead of spraying, pour directly into the detergent dispenser ...
by seppatown
Tue Nov 05, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 66
Views: 6355

Re: Stinky Front Loader (Washer)

1. Are you cleaning out the drain plug and filter at the lower bottom left of the machine? 2. After #1, perform the following three empty washes on tub clean mode or at the highest temperature setting, with the following solutions in the detergent dispenser: a. CLR solution b. Bleach c. Mildew spray...
by seppatown
Sat Aug 10, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Least expensive place to mass register domains, decide which I want to keep, then transfer
Replies: 24
Views: 2954

Re: Least expensive place to mass register domains, decide which I want to keep, then transfer

Have to disagree with the others - namesilo is now the better option over namecheap. The only thing namecheap has over it is an updated UI. Namesilo offers free whois protection and cheaper domain registration. I’m surprised aerialwombat hasn’t transitioned - It’s an easy grand per year in savings f...
by seppatown
Wed Aug 07, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for first time home buyer
Replies: 8
Views: 824

Re: Advice for first time home buyer

The $1200/mo in rent changes the story. If -that is for the both of you combined -you can live with your commute -you aren't expecting kids soon I would continue renting for as long as you don't have kids. You're basically paying the equivalent of property tax with zero ownership responsibilities, a...
by seppatown
Wed Aug 07, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Subrogation due to accident
Replies: 27
Views: 3516

Re: Subrogation due to accident

I have a friend with attorney represented. She admit she didn't have anything wrong she just wanted to sue. She got $12,000 for her medical + car fully fixed lol. She was so proud when she talked about it. If your friend lives in the SF Bay Area and can't drive worth a damn, I might know her. My up...
by seppatown
Wed Aug 07, 2019 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Pharma career change - bench to ?
Replies: 15
Views: 2138

Re: Pharma career change - bench to ?

Agree with Nestegg, Your best chance of real advancement is making an industry jump into medtech, medical devices, digital health, or pharma software sales. Pharma and biotech are stuck in the stone ages with any sort of worthwhile non-biz/marketing/sales (read technical) position being offered only...
by seppatown
Wed Aug 07, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Upgrading a PC, am I spending too much in too little time?
Replies: 35
Views: 3029

Re: Upgrading a PC, am I spending too much in too little time?

BogleMelon wrote: Wed Aug 07, 2019 2:33 pm What software that you can use to clone to a smaller drive while deselecting the folders that you don't need to clone?!
Use the free version of EaseUS Partition Manager here -

https://www.easeus.com/partition-manager/epm-free.html
by seppatown
Wed Aug 07, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: San Jose (CA) cost of living
Replies: 36
Views: 4423

Re: San Jose (CA) cost of living

Your numbers look relatively accurate, but really...San Jose for retirement? This city is the last place on earth most people would consider for a leisurely and fulfilling existence. You may want to come back and spend a few weeks in the area before considering your proposal. SJ is an commuter hell ...
by seppatown
Wed Aug 07, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Upgrading a PC, am I spending too much in too little time?
Replies: 35
Views: 3029

Re: Upgrading a PC, am I spending too much in too little time?

I see some good answers, some bad answers, and some unanswered questions. 1. If you clone your HDD onto your SSD and set the SSD as the new boot drive, your old HDD will NOT slow down your system as long as you are accessing files from the SSD. Under your new setup, your new SSD will be used for the...
by seppatown
Tue Jul 16, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: The Boglehead is anti-entrepreneur?
Replies: 79
Views: 7401

Re: The Boglehead is anti-entrepreneur?

A successful boglehead minimizes his/her exposure to unnecessary risk.

A successful entrepreneur's eats risk for breakfast.

It's not to say you can't have a boglehead entrepreneur, but being one requires an obvious compartmentalization of attitudes.
by seppatown
Thu Jul 11, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Which area to stay in Bangkok?
Replies: 12
Views: 1746

Re: Which area to stay in Bangkok?

I disagree that Bangkok isn't walkable. No, it's not a walkers' paradise but you'll get a far better sense of life in the city on your own two feet than you will in the back of a car. I mostly walked when I was in Bangkok and I didn't find it too bad. Bangkok, like most other SE Asian capital citie...
by seppatown
Thu Jul 11, 2019 2:56 am
Forum: Personal Consumer Issues
Topic: Which area to stay in Bangkok?
Replies: 12
Views: 1746

Re: Which area to stay in Bangkok?

Unless you're from NYC, you'll be amazed at how easy it is to get food late at night. YMMV based on location: the closer you are to nightlife hubs, the higher the chance you'll find street food and restaurants open in the early AM. Otherwise, 7-11 will have you covered on literally every block where...
by seppatown
Thu Jul 11, 2019 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Inner Turmoil - Salaried Employee vs Self Employment
Replies: 15
Views: 1915

Re: Inner Turmoil - Salaried Employee vs Self Employment

You've received excellent feedback so far. a. The wife and kids present a significant barrier and risk to self-employment. Before you do anything else, checked coveredca to assess how much it would cost to self-insure. Premiums are expected to go up another 10-15% in 2020. b. No more financial risks...
by seppatown
Sun Jul 07, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Internet/cellphone service woes..
Replies: 12
Views: 1767

Re: Internet/cellphone service woes..

Two options (although having Xfinity Mobile complicates the situation). 1. Call and ask for the retentions department, or simply state you'd like to cancel your internet service. Reason for canceling: service is getting too expensive. Result: You may be able to get dropped back down to 69.99/mo. 2. ...
by seppatown
Fri Jun 07, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Is it possible to custom build a laptop?
Replies: 26
Views: 2263

Re: Is it possible to custom build a laptop?

What is it about your laptop that is making you feel it is "nearing the end of its life"? From my experience (tearing and putting together laptops for 10+ years as a hobby), laptops rarely age out for your average user. Install a SSD and you can bring an ancient machine back to life. --- A...
by seppatown
Sat Mar 02, 2019 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Tell The Truth to Boss Why I'm Leaving? (More Money)
Replies: 78
Views: 9195

Re: Tell The Truth to Boss Why I'm Leaving? (More Money)

Based on the information provided - that you've only been at the job for 6mo, were sponsored for security clearance, and perform in a hot, niche role - I think you know how this plays out. Actions speak louder than words. You've treated the position as a stepping stone and are putting your superviso...
by seppatown
Sat Apr 01, 2017 3:57 pm
Forum: Personal Investments
Topic: Currently have $700,000 at 26 years old get $100,000 a year
Replies: 165
Views: 32815

Re: Currently have $700,000 at 26 years old get $100,000 a year

I get it - you're looking to preserve and grow the wealth that's been given to you. That makes sense, and to be frank, you've been doing an amazing job given your circumstances. Money is significantly easier to part ways with when it's not directly earned, and it's certainly easier to spend it freel...