Search found 755 matches

by Goal33
Sun May 19, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Guidance to Parents With Kids Majoring Computer Science
Replies: 25
Views: 2241

Re: Guidance to Parents With Kids Majoring Computer Science

In what world do companies hire graduates who did what they did because their parents "had them" do it, rather than because the graduates made those choices themselves? Maybe this is good advice to CS students, maybe not. But their parents have better things to do than micromanage their education a...
by Goal33
Sun May 19, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: New Car in Texas or Illinois
Replies: 10
Views: 1042

Re: New Car in Texas or Illinois

My preference would be to buy the car locally to have one less thing to worry about during the move. I realize your company will pay to move it but still it’s just another thing. It’s easy to buy a car.
by Goal33
Sun May 19, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: remodeling costs in san francisco
Replies: 18
Views: 1789

Re: remodeling costs in san francisco

I know people in the SF Bay Area waiting for the next recession before starting their remodel.
by Goal33
Sun May 19, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Trader Joe's Fans - good value?
Replies: 138
Views: 18338

Re: Trader Joe's Fans - good value?

I think depends on where you live. In the SF Bay Area I feel like it’s a very good value. Mentioned that to my father-in-law who lives in a VLCOL area and he said he thought it was expensive...
by Goal33
Sat May 18, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2496

Re: When to buy a vacation home

Maybe now is the time when the kids are little to use often and make those memories. Just sayin’
by Goal33
Sat May 18, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Splitting a condo purchase with friend?
Replies: 19
Views: 1302

Re: Splitting a condo purchase with friend?

Buy your own condo and rent out a room.
by Goal33
Sat May 18, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Crazy to Sell a Newer Car for an Older Car?
Replies: 49
Views: 2842

Re: Crazy to Sell a Newer Car for an Older Car?

I did it. But mostly because I wanted an old car that I wanted since childhood (it was new then). It saved me money but money wasn’t the driver.
by Goal33
Tue May 14, 2019 2:00 am
Forum: Personal Investments
Topic: Feedback on house purchase
Replies: 19
Views: 1777

Re: Feedback on house purchase

I am younger but feel I am on a similar path... You can afford the 1.5m but it will not feel great making that payment...
by Goal33
Tue May 14, 2019 1:57 am
Forum: Forum Issues and Administration
Topic: For how long will the forum be around?
Replies: 94
Views: 7060

Re: For how long will the forum be around?

Depends on the moderators. Forum like this can easily get out of hand...
by Goal33
Mon May 13, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage or Pay Cash
Replies: 21
Views: 2051

Re: Mortgage or Pay Cash

IMO it’s all about the taxable gains hit from the brokerage account.
by Goal33
Sun May 12, 2019 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 4744

Re: Move out or stay at my parents?

I’m your exact age. I haven’t lived with my parents for a decade now. Seems like an easy decision to me
by Goal33
Sat May 11, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Advice sought for my Son, Career and Investing
Replies: 14
Views: 905

Re: Advice sought for my Son, Career and Investing

I have the same degree from the same university. Also moved to SF Bay Area out of college. I made 50% more out of college 6 years ago. I’d suggest focusing on wage growth as #1 priority.
by Goal33
Sat May 11, 2019 10:53 am
Forum: Investing - Theory, News & General
Topic: Any conservative young investors?
Replies: 68
Views: 6261

Re: Any conservative young investors?

My plan is to stick around 70/30 forever.
by Goal33
Fri May 10, 2019 1:38 am
Forum: Personal Investments
Topic: Investing life insurance payout as 8 year salary replacement
Replies: 15
Views: 1873

Re: Investing life insurance payout as 8 year salary replacement

Personally, I’d pay off the house, dump the remaining into my portfolio at your comfortable allocation. Life off my income and if your income isn’t enough to pay your expenses, withdrawal from your portfolio.
by Goal33
Fri May 10, 2019 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Rental Bidding War
Replies: 20
Views: 2673

Re: Rental Bidding War

I am a small time LL one major thing I am always looking for are people capable of basic care for themselves. I mean I don't want people remodeling the place or anything but if you could like shut water off to a dripping toilet without needing assistance that is awesome right? So asking simple ques...
by Goal33
Thu May 09, 2019 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Bidding War
Replies: 20
Views: 2673

Re: Rental Bidding War

Consider an apartment owned by a corporation. That’s what I did in the Bay Area. It was too stupid having to write landlords basically the equivalent of a love letter to rent private homes.
by Goal33
Mon May 06, 2019 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Is the low interest rate loan arbitrage always worth it?
Replies: 13
Views: 1230

Re: Is the low interest rate loan arbitrage always worth it?

For a tiny amount no. For the amount value of a car, it’s worth it to me. Don’t want to liquidate and pay taxes for something so cheaply financed.
by Goal33
Sun May 05, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 7154

Re: How much do you donate?

0.3 percent
by Goal33
Sun May 05, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Laid Off - Am I forgetting anything?
Replies: 3
Views: 1015

Re: Getting Laid Off - Am I forgetting anything?

Do you have a company credit card? Call the credit card company directly and confirm a 0.00 balance. Then, cancel the card. Don't depend on anyone in the finance department to do this for you, as you want assurance that no further transactions can be made on that card. You are personally responsibl...
by Goal33
Fri May 03, 2019 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Countdown - sanity check
Replies: 19
Views: 2623

Re: Retirement Countdown - sanity check

I'd like to suggest you start with a vacation, or a sabbatical.
by Goal33
Fri May 03, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Rotational Program at MegaCorp for college grad hires
Replies: 40
Views: 2197

Re: Rotational Program at MegaCorp for college grad hires

I participated in a program like this. No raises while in the program. The salary for the next set was way higher due to inflation in wages (specifically in tech)... I spent the last 6 months of the program being annoyed. Later, I picked an area and over the next two years my wages were corrected an...
by Goal33
Thu May 02, 2019 8:28 pm
Forum: Personal Investments
Topic: Using 0% credit card balance transfers for additional investment capital
Replies: 15
Views: 1288

Re: Using 0% credit card balance transfers for additional investment capital

Yea you can do it. I do it occasionally. However I just invest the money in my normal 70/30 stock bond portfolio. Pay it off using cash flow throughout the year. You can lose money my way though.
by Goal33
Thu May 02, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: My silly question: what $20-50 gift should I ask for?
Replies: 20
Views: 1404

Re: My silly question: what $20-50 gift should I ask for?

I got an alumni letter opener. That was cool. Think it was 20ish dollars.
by Goal33
Mon Apr 29, 2019 8:10 pm
Forum: Personal Investments
Topic: Dividends: do you like cash or reinvestment?
Replies: 19
Views: 1927

Re: Dividends: do you like cash or reinvestment?

You answered your own question...

...

cash
by Goal33
Mon Apr 29, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a hail-damaged car?
Replies: 42
Views: 2440

Re: Buying a hail-damaged car?

Greenman72 wrote:
Mon Apr 29, 2019 5:32 pm
^I should add that the owner is upside-down on the car by about $13k. That may have something to do with the payout. Maybe the "real" payout is $36k, 23 to the owner, and 13 for gap insurance.
I think you are missing information... if the owner was upside down, they'd get nothing.
by Goal33
Mon Apr 29, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a hail-damaged car?
Replies: 42
Views: 2440

Re: Buying a hail-damaged car?

As everybody else is saying... you let the coworker buy from the insurance and give her the difference between 23k and what they end up giving the coworker (probably 3-5k).
by Goal33
Sun Apr 28, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Relocating Across Country - Vehicle Situation
Replies: 22
Views: 1211

Re: Relocating Across Country - Vehicle Situation

Didn’t get to read all this but just saying having a Subaru is like a fashion statement up in Seattle.
by Goal33
Fri Apr 26, 2019 1:53 pm
Forum: Personal Investments
Topic: 2,000,000. Now what?
Replies: 45
Views: 9338

Re: 2,000,000. Now what?

I am confused how royalties went from 9k to 107k over the course of a line or two... need more info
by Goal33
Mon Apr 22, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 30769

Re: How did you feel about your 2018 tax returns?

Was disappointing because even though I now take standard deduction for federal, for CA sake, I have to still go through the whole process of itemizing.
by Goal33
Sun Apr 21, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Loan to employer?
Replies: 24
Views: 1795

Re: Loan to employer?

Uh, get a business loan? Duh?
by Goal33
Sat Apr 20, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Home Now or Wait? Relocating with Spouse
Replies: 14
Views: 1048

Re: Sell Home Now or Wait? Relocating with Spouse

I’d sell the house ASAP. Cut that risk factor out of the equation. Get a rent back if possible, otherwise a month to month for partner staying back. Partner staying back should start applying for jobs now in Seattle without the title to truly evaluate the impact of not having that title. My partner...
by Goal33
Sat Apr 20, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Home Now or Wait? Relocating with Spouse
Replies: 14
Views: 1048

Re: Sell Home Now or Wait? Relocating with Spouse

I’d sell the house ASAP. Cut that risk factor out of the equation. Get a rent back if possible, otherwise a month to month for partner staying back. Partner staying back should start applying for jobs now in Seattle without the title to truly evaluate the impact of not having that title.
by Goal33
Fri Apr 19, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: DW worried about What if ...? Wishes to pay off mortgage
Replies: 33
Views: 3143

Re: DW worried about What if ...? Wishes to pay off mortgage

I don't think your 10 year old will be living at home if the two of you die together... Either way, sounds like you can afford to redirect new money and would have it paid off rather quickly.

My thought is it doesn't make a huge difference either way. Do whatever you want.
by Goal33
Wed Apr 17, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Not Maxing 401K OK?
Replies: 53
Views: 5443

Re: Not Maxing 401K OK?

It's fine not to max it, but if you can afford to max it... why not?
by Goal33
Tue Apr 16, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 92
Views: 8009

Re: Job Offer Evaluation - FANG

Go for it. After some RSU refreshers it’ll be even more.
by Goal33
Tue Apr 16, 2019 5:23 am
Forum: Personal Finance (Not Investing)
Topic: Payment for an auto accident claim (?)
Replies: 10
Views: 815

Re: Payment for an auto accident claim (?)

You are allowed to do whatever you want with the money. The only catch is if you don’t repair the issue fully don’t expect to be paid out again if that spot gets hit again or if you total the car expect them to subtract the value of the check you got before.
by Goal33
Sun Apr 14, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9394

Re: Luxury car recommendations?

I like the Mercedes C Class
by Goal33
Sun Apr 14, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Best 48-52" TV for ~$500? Costco?
Replies: 14
Views: 926

Re: Best 48-52" TV for ~$500? Costco?

Have a TCL built in Roku from Costco. Love it. Highly recommended especially for cord cutters. It handles antenna really well too.
by Goal33
Sat Apr 13, 2019 9:33 pm
Forum: Personal Investments
Topic: What should I sell - need advice?
Replies: 13
Views: 1340

Re: What should I sell - need advice?

What’s your income / tax bracket? Pretty amazing to read you’d have 300k in gains to rebalance down 5%. Do you have a ~20 million dollar portfolio?
by Goal33
Fri Apr 12, 2019 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for 30 y/o in software sales
Replies: 16
Views: 1693

Re: Career advice for 30 y/o in software sales

“What have you done for me lately?”

You can make a lot of money more during a good year with [company name --admin LadyGeek] or other large SaaS providers.
by Goal33
Fri Apr 12, 2019 12:35 pm
Forum: Personal Investments
Topic: Investing gift from grandma
Replies: 46
Views: 3278

Re: Investing gift from grandma

Way too much thinking here. Just buy Disney and move on.
by Goal33
Thu Apr 11, 2019 9:31 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 95
Views: 9460

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS OPEN ANNOUNCEMENT

I had wanted to go for the first time this year but unfortunately I can’t make these dates work (actually at another conference). Anyway hope you all have a great time and hope to see you in 2020.
by Goal33
Wed Apr 10, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Add more value to undergrad application during high school
Replies: 42
Views: 2130

Re: Add more value to undergrad application during high school

I may be overstepping my bounds here, but I think that, in many instances there are probably more important things facing a 9th grader still dealing with puberty than how to add value to their college application. This "young person" seems to be doing pretty well on his/her own- good scores, good g...
by Goal33
Wed Apr 10, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Typical financial milestones before purchasing second/vacation home?
Replies: 15
Views: 970

Re: Typical financial milestones before purchasing second/vacation home?

Can you be more specific on location of the vacation home? That just seems like a lot more than my friends in the bay area are spending on their 2nd homes in tahoe for example.
by Goal33
Wed Apr 10, 2019 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Finding buyer's agent if we might buy our current rental
Replies: 8
Views: 516

Re: Finding buyer's agent if we might buy our current rental

Why would you sign a contract with a buyers agent? Take it on a house by house basis.
by Goal33
Mon Apr 08, 2019 10:59 pm
Forum: Personal Consumer Issues
Topic: Car Repairs - Make Insurance Claim or Self-Pay?
Replies: 22
Views: 1347

Re: Car Repairs - Make Insurance Claim or Self-Pay?

I’d report it, get a check for the estimate, fix the windshield and mirrors, drop collision... pocket the rest and pay the increase in premium.
by Goal33
Thu Apr 04, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord looking to buy out my lease. Whats a reasonable price?
Replies: 73
Views: 5114

Re: Landlord looking to buy out my lease. Whats a reasonable price?

A personal story, my grandparents lived in an apartment complex that was sold and to be turned into condos. Fortunately for my grandparents and unfortunately for the purchasers my parents were both attorneys. The condo eventually got them out—8 years after the initial purchase. Sounds annoying for ...
by Goal33
Thu Apr 04, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord looking to buy out my lease. Whats a reasonable price?
Replies: 73
Views: 5114

Re: Landlord looking to buy out my lease. Whats a reasonable price?

A personal story, my grandparents lived in an apartment complex that was sold and to be turned into condos. Fortunately for my grandparents and unfortunately for the purchasers my parents were both attorneys. The condo eventually got them out—8 years after the initial purchase. Sounds annoying for ...