Search found 2575 matches

by jharkin
Thu Mar 31, 2016 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 12377

Re: Investing Young + LBYM = No Corp Ladder

I don't think we have more than average numbers of fellows and tech VPs here either... like I said up thread its mostly people who get into lead architect type roles and/or have some irreplaceable skillet and have been here forever. The one difference I am seeing is that this midsize firm of mine ha...
by jharkin
Wed Mar 30, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 9435

Re: Copper in Brake Fluid

Agree with both of the above. For most drivers ABS and the ABS operated traction control systems are very good things and keep a lot of people out of trouble. OTOH I also know that there are some situations of snow/ice driving where panic stop distances are actually shorter if you let the tires lock...
by jharkin
Wed Mar 30, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 9435

Re: Copper in Brake Fluid

First, they wouldn't be using a mass spec. ( or even an ICP-MS) for the test; just a digestion then standard AA or optical ICP analysis ... Fleets run for copper, chromium, nickel but NOT for brake fluid, which really only contacts rubber and aluminum in the brake master and slave systems, but rath...
by jharkin
Wed Mar 30, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 9435

Re: Copper in Brake Fluid

II would also feel uncomfortable recommending that anyone do this without access to a factory service manual for the car. There is an order in which things should be done, and there may be very specific procedures that you're required to follow in order to properly bleed the ABS system, as well as ...
by jharkin
Wed Mar 30, 2016 9:59 am
Forum: Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 1588

Re: What to do with old TIAA 403b?

TREA... does that mean the TIAA real estate account? My original though was to roll it over to a tIRA at Vanguard to get better fund options but my hesitation is because of the tax implications later. Right now we are in the 25% bracket.In a year or two when my wife start working again we will be pu...
by jharkin
Tue Mar 29, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Wifi Booster
Replies: 22
Views: 2644

Re: Wifi Booster

We have this issue as our house has two 18th century (aka quite large) interior masonry chimneys that block the signal in various directions. I tried moving the antennas and also mounted one of them remotely with a coax cable. None of that helped much. The taller antennas are really just a gimmick a...
by jharkin
Tue Mar 29, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: How to select good contractors. Angie's list has changed.
Replies: 33
Views: 9124

Re: How to select good contractors. Angie's list has changed.

It seems my experience of Angie's list was not unusual then. We joined when we bought our first house 7 years ago but I quickly found that there just where not that many contractors on there that had more than a handful of reviews. I know they claim that requiring paid memberships to leave reviews f...
by jharkin
Tue Mar 29, 2016 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Reducing Verizon Cable bill?
Replies: 17
Views: 2259

Re: Reducing Verizon Cable bill?

We were paying for 50/50 but haven't really noticed any drop in performance since downgrading. For any package over 25/25 you need the newest Verizon modem which you have to pay extra for(This only applies to WIFI if you are connected directly to the modem you do get the faster speeds you pay for)....
by jharkin
Tue Mar 29, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 12377

Re: Investing Young + LBYM = No Corp Ladder

In general what age/ how long does it take for the toll and stress to kick in? I really want to climb the corporate ladder. Currently I make just over 70K as an entry level engineer at a fortune 100 company but I would love to transition into management. I can max out 401k and roth IRA just fine, b...
by jharkin
Tue Mar 29, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 12377

Re: Investing Young + LBYM = No Corp Ladder

Good comments (as well as KlangFool's). They jive with what I've heard around my company - middle management isn't really worth it for the extra effort; unfortunately it's a 'rite of passage' of sorts to get to the jobs that are truly worth it from a compensation standpoint. Using your listed title...
by jharkin
Tue Mar 29, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 9435

Re: Copper in Brake Fluid

Many new vehicles dont even publish maintenance schedules in the book anymore as a lot of them are moving to electronic systems where the maintenance intervals are calculated by the onboard computer and pop up codes on the dash from time to time. In other cases automakers are going to extremely long...
by jharkin
Tue Mar 29, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 12377

Re: Investing Young + LBYM = No Corp Ladder

KlangFool makes a good point. Where I work, the management track only has a small premium in base salary over the equivalent technical track titles. the difference is in the bonuses and stock/RSU awards (both tracks get them above senior level but the bonus are larger in mgt track). At the senior le...
by jharkin
Tue Mar 29, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Your fav [US domestic] airline - as far as flying experience?
Replies: 72
Views: 6979

Re: Your fav [US domestic] airline - as far as flying experience?

We dont fly a lot for vacation but when we have its been mostly JetBlue as they where the best option for direct flighst where we were going. Generally a good experience. Years ago I used to fly Northwest a lot before they went under and there where always issues. Most of my international trips are ...
by jharkin
Tue Mar 29, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 9435

Re: Copper in Brake Fluid

Ok, test strip... got it. Either way at 7 years old the car is way overdue for a fluid change. Its inexpensive piece of mind so just do it - but dont let them rip you off on what should be a real inexpensive job. If you dont believe us go post in either the CarTalk or BobIsTheOilGuy forums and you w...
by jharkin
Tue Mar 29, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: all-in-one? (printer, scanner, copier.)
Replies: 29
Views: 3387

Re: all-in-one? (printer, scanner, copier.)

My wife wanted one of these to replace our old HP printer and we just got an Epson XP-820. I like it so far, inexpensive (paid around 120 i recall?), seems decently built, prints fast enough for personal use and the inks are not as exorbitant as HP. If its a home business you might want something be...
by jharkin
Tue Mar 29, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 9435

Re: Copper in Brake Fluid

This is one of the most neglected maintenance items - The usual interval for brake fluid flushes is every 2-3 years, independent of mileage. The major issue for old brake fluid is that it absorbs water, which lowers the boiling point of the fluid which can lead to brake fade in a panic stop. Brand n...
by jharkin
Tue Mar 29, 2016 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Cheaper to trade-in for new truck !?! Is there a free lunch here?
Replies: 23
Views: 2972

Re: Cheaper to trade-in for new truck !?! Is there a free lunch here?

I drive a Tacoma so I will chime in. You friend is right in that the Tacoma is some weird freak of nature that defies the laws of physics and doesn't depreciate like normal cars do. We (wife and I) usually buy used cars cash but I made the exception and bought my 2014 Tacoma new and financed it at 1...
by jharkin
Tue Mar 29, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 12377

Re: Investing Young + LBYM = No Corp Ladder

And what I've concluded is that, very simply... a good career, a spouse with the same, investing early and often, and always LBYM... means I really don't need to concern myself with that sort of stress and pressure. I guess this is a vague, big picture kind of post and observation and I'm not sure ...
by jharkin
Tue Mar 29, 2016 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Home too small
Replies: 45
Views: 6018

Re: Home too small

I'm very new here, but just had to chime in as this situation feels SOOOOOO similar to what my wife and I are gong though. We happen to live in an old house that's about 1400 sq ft with 1 bath, valued around 380 and we owe 259 as of last months statement (weird coincidence!) I'm 40, we have two 5 ye...
by jharkin
Tue Mar 29, 2016 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Your first $100k
Replies: 52
Views: 11433

Re: Your first $100k

I hit 100k when I was 31 (2007). Then it crashed to 80k and I got spooked and pulled a lot out :annoyed We hit 200k when I was 36. This was sped up by going back in and aggressively investing through the housing crash and recovery and slowed by the fact my wife never really invested till she met me....
by jharkin
Mon Mar 28, 2016 1:19 pm
Forum: Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 1588

Re: What to do with old TIAA 403b?

While you are online, look at her current contract number for the Lifecycle Fund. The prefix letters will tell you which kind of contract she holds. Beginning March 1, my Traditional in GRA and RA accounts has had a 3.75% crediting rate for new money. AHA! Thanks for the pointer I just looked at it...
by jharkin
Mon Mar 28, 2016 12:32 pm
Forum: Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 1588

Re: What to do with old TIAA 403b?

Which version of TIAA Traditional is it - what's the current interest rate? Thats the part I am struggling to figure out. If we go in her account and look at rebalance options there is just a single selection for traditional with no details. If I click though that option to the list of all investme...
by jharkin
Mon Mar 28, 2016 11:25 am
Forum: Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 1588

Re: What to do with old TIAA 403b?

Interesting - I had not really even though about looking at the annuity and using it as a portion of my bond allocation. I have to go research it more to understand the details and will report back. If this works out it will solve another issue for us. Im luckly my 401 has nice US equity options (Va...
by jharkin
Mon Mar 28, 2016 9:19 am
Forum: Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 1588

Re: What to do with old TIAA 403b?

I double checked it again, the options its giving me to re balance if we keep the money in TIAA: CREF Stock R2 TIAA Traditional (Annuity) CREF Money market R2 TIAA Cref Lifecycle 2010 - Retirement class TIAA Cref Lifecycle 2015 - Retirement class TIAA Cref Lifecycle 2020 - Retirement class TIAA Cref...
by jharkin
Mon Mar 28, 2016 7:46 am
Forum: Personal Investments
Topic: What to do with old TIAA 403b?
Replies: 15
Views: 1588

What to do with old TIAA 403b?

Hello Bogleheads! First post here. Im turning 40 this year and am looking to simplify/consolidate our entire portfolio - I will be posting the full details in the portfolio questions recommended format soon. However I have a lot of questions so I though it might be easier to ask one or two specific ...