Search found 1773 matches

by investingdad
Tue Jan 21, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: FI and/or RE: did you change your "magic number"?
Replies: 24
Views: 2345

Re: FI and/or RE: did you change your "magic number"?

I have a "gray area" band. The bottom of the band is 30x current expenses plus 15% for tax. The top of the band is 33x expenses plus 15% for tax. Below the band, I'd rather not retire. Above the band and I think we're in good shape. Inside the band is the cone of uncertainty. I'm estimating to be in...
by investingdad
Sun Jan 19, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 44467

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

I agree with the folks that say the average or fair salary will not be arrived at by looking at this thread. First, there will be a bias where people who have fabulous salaries will be more likely to share those salaries. They are not wrong, just happy they are making more. Also, statistics already...
by investingdad
Fri Jan 17, 2020 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 44467

Re: Engineers - What are you making?

Apparently the lower paid engineers are not responding. According to this, average engineering salaries range from about $86K (Industrial) to $123K (Petroleum). That seems likely to me (though I'm not an engineer). https://engineersalary.com/ I have recruiters contact me often with engineering posi...
by investingdad
Fri Jan 17, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 44467

Re: Engineers - What are you making?

BS ChemE, plus MBA (that I don't use) 120k with target 15% bonus, last two years payout has been high. 9% total 401k match. 24 years experience VLCOL area 40 hours, but very low stress Super flexible work environment I could be making more if I was motivated to go into management or project work, bu...
by investingdad
Fri Jan 10, 2020 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1934
Views: 472740

Re: Share your net worth progression

Year-end: 2003 - $20k - 29 yo in VHCOL city. Record-keeping imprecise at this point before I got Quicken 2004 - $186k - high paying job 2005 - $355k 2006 - $511k 2007- $576k - new job but it didn't go so well 2008 - $501k - ouch. Also got laid off 2009 - $557k - all-in on equities. This was a good ...
by investingdad
Wed Jan 08, 2020 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1934
Views: 472740

Re: Share your net worth progression

Year-end: 2003 - $20k - 29 yo in VHCOL city. Record-keeping imprecise at this point before I got Quicken 2004 - $186k - high paying job 2005 - $355k 2006 - $511k 2007- $576k - new job but it didn't go so well 2008 - $501k - ouch. Also got laid off 2009 - $557k - all-in on equities. This was a good ...
by investingdad
Tue Jan 07, 2020 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Piano & college admissions
Replies: 101
Views: 7322

Re: Piano & college admissions

My 14 and 12 year old play flute and sax respectively. I don't expect it to move the needle for college, but I hope it will open avenues of opportunities for them they wouldn't otherwise have (county band, college ensembles, meeting people, etc). I've documented my late start to music on here. Ultim...
by investingdad
Mon Jan 06, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Millennial Looking for Creative Alternatives for Loan/Mortgage
Replies: 77
Views: 5492

Re: Millennial Looking for Creative Alternatives for Loan/Mortgage

alwayshedge wrote: Mon Jan 06, 2020 12:21 pm This post is confusing. You’re borrowing money and want your repayment to go to a good cause? :confused
That's what I read as well.

I don't really know how to respond.
by investingdad
Mon Jan 06, 2020 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Millennial Looking for Creative Alternatives for Loan/Mortgage
Replies: 77
Views: 5492

Re: Millennial Looking for Creative Alternatives for Loan/Mortgage

OP, The people that lost homes during the mortgage crisis did so because they borrowed more than they could afford. If a lender says I can afford to borrow X, it's ultimately up to me to know if I can really afford it. Did I run the numbers? Did I do what if scenarios? Or did I willingly believe the...
by investingdad
Wed Jan 01, 2020 11:10 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3208
Views: 552817

Re: What are you up YTD? [Year To Date]

Our total net worth increase for 2019 came in at 30.6%, plus or minus a few dollars.

Current mix is about 70/25/5.

Over the last five years, it increased by 88.5%.

I feel like I need to do something to lock it in...but I don't know what I would do. So I guess just leave it.
by investingdad
Tue Dec 31, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: What Are Your 2020 Goals?
Replies: 56
Views: 12227

Re: 2020 Goals?

Aside from the typical stuff (good family time, continued employment, good health, etc), I want to actually find time to start practicing with the local amateur / community orchestra as the next step in my violin progression.
by investingdad
Tue Dec 31, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: How much were you able to spend this year?
Replies: 53
Views: 2950

Re: How much were you able to spend this year?

We spent around 130k on non tax expenses. That was on a total compensation of between 270k and 310k. If you're not going to derive some enjoyment from your work, really... what is the point? Our biggest spending was on vacation. I bought myself a fine instrument as I further pursue my musical endeav...
by investingdad
Mon Dec 30, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: If your net worth is over $3 million, how did you do it?
Replies: 436
Views: 118712

Re: If your net worth is over $3 million, how did you do it?

We have a shot at hitting 3 million by the end of 2019. I need about a 3.5% market gain plus our normal contributions to break it. We'll be 46. - engineering and business degrees for wife and I - good paying jobs in our field, but not crazy high, we broke 100k each around age 40 - saved about 25% o...
by investingdad
Tue Dec 24, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Anyone had success demanding a fully remote position at their current employer?
Replies: 31
Views: 2619

Re: Anyone had success demanding a fully remote position at their current employer?

I requested to work remotely one day a week last summer for flexibility with our kids being home from school. My job and company sound identical to the OP...except we are very much setup for remote working, including Skype and headsets for phone calls as office phones were removed a few years ago. I...
by investingdad
Mon Dec 23, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 151226

Re: High Earners - What's Your Profession?

Ah that's a tough one. How old is your kid? For pure earning potential, demand, and impact, right now it's hard to bet against technology specifically computer science/software of some kind. Recessions come and go, I'm old enough to remember 2001 and 2009 and the impact on the tech sector as I imag...
by investingdad
Mon Dec 23, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 151226

Re: High Earners - What's Your Profession?

Ah that's a tough one. How old is your kid? For pure earning potential, demand, and impact, right now it's hard to bet against technology specifically computer science/software of some kind. Recessions come and go, I'm old enough to remember 2001 and 2009 and the impact on the tech sector as I imag...
by investingdad
Sun Dec 22, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 151226

Re: High Earners - What's Your Profession?

IBEW Electrician, 105k gross + 34k employer contributions into a 401a. 40hrs a week, little bit of OT here and there. Proud to represent the blue collar workers. This is the sort of information that should be shared in our high schools. I've always believed the skilled trades are an avenue to a goo...
by investingdad
Sat Dec 21, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 151226

Re: High Earners - What's Your Profession?

Curious, what kind of hours are the engineers (electric / aerospace / civil / etc...) and software engineers earning >$250k pulling? Are you working banker hours (M-F 9-5) or are you slaving 80hr+ weeks to earn that kind of pay? How is your lifestyle in terms of making it to your kids events, spend...
by investingdad
Fri Dec 13, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 633
Views: 91345

Re: Flaunt Your High-Mileage Car

I've finally rolled the odometer on a car over 100,000 miles after 30 years of driving.

My 2013 Nissan Maxima now has 100,600 miles.

I thought of getting a new Maxima this year but decided to wait after purchasing another pricey item.
by investingdad
Fri Dec 13, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: SAT prep?
Replies: 11
Views: 951

Re: SAT prep?

It seems we all have the same daughter. My H.S. freshman took the PSAT this October. With no prep at all, she scored a 1220 which put her in the 94th percentile. Her verbal was 97th percentile so she will need to work on her math. Our plan is just to get her the SAT books of practice tests and let h...
by investingdad
Thu Dec 12, 2019 7:08 am
Forum: Personal Consumer Issues
Topic: Are co-workers afraid of your executive managers?
Replies: 19
Views: 1729

Are co-workers afraid of your executive managers?

We've had a full turnover of executive management at my Megacorp over the last 5+ years. Before, it was people that came up through the org, now... all external. Anyway, the one exec has a serious ego problem. SERIOUS ego problem. And I've come to realize that people are unwilling or afraid to chall...
by investingdad
Wed Dec 11, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 89971

Re: Found hidden safe, should we crack?

CheepSkate wrote: Mon Dec 09, 2019 10:18 pm
FoolMeOnce wrote: Fri Dec 06, 2019 8:18 am I think if you start a crowdfunding page, everyone in this thread would chip in a few bucks.
Meaning the OP never has to open the safe to get treasure!

In fact, the OP could milk this for years.
Somebody has already done this, they call it "Oak Island".
by investingdad
Mon Dec 09, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 89971

Re: Found hidden safe, should we crack?

There is another forum I belong to, and and OP started a thread about strange pallets he saw in a field. They were set up in a strange A frame pattern. (they were for ranging distances). Everyone had a theory, and the thread became 200+ pages because the OP didn't respond back lol. He eventually di...
by investingdad
Sun Dec 08, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Classical Christmas Music Stations on Radio
Replies: 8
Views: 722

Re: Classical Christmas Music Stations on Radio

Pandora.

Just type in "Classical Christmas".
by investingdad
Fri Dec 06, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 89971

Re: Found hidden safe, should we crack?

doss wrote: Fri Dec 06, 2019 10:46 am Apparently, he has left the country.... :mrgreen:
I think I sorta alluded to this early on. :)
by investingdad
Wed Dec 04, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? 2020 update
Replies: 241
Views: 40401

Re: Learning Violin as an adult? Yes, 3 years later!

yosh99 wrote: Wed Dec 04, 2019 4:42 pm Good for three years. Are you taking lessons? Learning is very hard, and it reminds me of this YouTube video:

https://www.youtube.com/watch?v=XhjgfgM1jzw
Twoset violin is awesome.
by investingdad
Wed Dec 04, 2019 7:08 am
Forum: Personal Consumer Issues
Topic: Monovision contacts?
Replies: 23
Views: 1566

Re: Monovision contacts?

Is this akin to leaving one contact out?

I'm horribly near sighted, but to see up close my contacts must be out. Up close as in 4 or 5 inches or less.

I discovered with just one lens in, preferably my right eye, I could function really well. Not perfect, but pretty good.
by investingdad
Tue Dec 03, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? 2020 update
Replies: 241
Views: 40401

Re: Learning Violin as an adult, 3 years later!

It's December, so I'm posting my 3 year follow up to the original thread I started in December 2016 asking for input on whether I should learn violin as an adult. Time flies! Not much new... still weekly lessons, still play an hour a day. Spending most of my "learning" time in Wohlfahrt etudes. An ...
by investingdad
Tue Dec 03, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6785

Re: Airline overhead bins...do you think they're assigned?

I generally place bags near me, though sometimes that may mean across the aisle from me. On the flight in question, I used the bin across the aisle as well as above me. There were four of us and we had three overhead items, plus two backpacks that went under the seats in front of the kids. The outsi...
by investingdad
Tue Dec 03, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? 2020 update
Replies: 241
Views: 40401

Re: Learning Violin as an adult? Yes, 3 years later!

Thanks. I'm nothing if not determined, though I wasn't sure how this would turn out when I started. I've made a lot of recordings, mostly because it became obvious that progress is very incremental. I'll go months feeling like I've accomplished little, record myself, listen to something from six mon...
by investingdad
Mon Dec 02, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6785

Re: Airline overhead bins...do you think they're assigned?

lack of consideration and kindness is the cause of conflict. think yourself in other's situation will get the answer straight. I was considerate when I bit my tongue as she bad mouthed me within earshot of my two kids. And that was after I moved one suitcase when, according to everyone that respond...
by investingdad
Mon Dec 02, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6785

Re: Airline overhead bins...do you think they're assigned?

I will give benefit of the doubt and suggest she may not have been last group / not economy basic and was permitted to have a bag. But well after Group 5.
by investingdad
Mon Dec 02, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6785

Re: Airline overhead bins...do you think they're assigned?

livesoft wrote: Mon Dec 02, 2019 3:20 pm I'd press the flight attendant call button and when they came state, "This passenger would like help with their carry on. Thank you."
:sharebeer

I like this reply and will remember for next time.
by investingdad
Mon Dec 02, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6785

Airline overhead bins...do you think they're assigned?

Here's the summary. Flight back home on Saturday, very full. My wife and I carry an AAdvantage credit card. Why? Because when we book on American it automatically puts us in Group 5 for early boarding. A paid perk. Why board early? Well, I always figured to make sure I get an overhead bin. I was wit...
by investingdad
Mon Dec 02, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? 2020 update
Replies: 241
Views: 40401

Re: Learning Violin as an adult? Yes, 3 years later!

Congratulations on your 3 years. Don't forget to upgrade your bow. A good rule is that the bow should be 1/3 the value of the violin. Yeppers. I actually upgraded my bow first. I came across it about a year ago, it's also an antique and well worn. Huge, huge upgrade versus the composite bow I had a...
by investingdad
Mon Dec 02, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? 2020 update
Replies: 241
Views: 40401

Re: Learning Violin as an adult? Yes, 3 years later!

I typically practice for 30 or 40 minutes after getting home from work. My wife doesn't get home until later and I usually have dinner ready by that point. Kids are 14 and 12 and doing their own thing. I then practice another half hour at night while kids are practicing their own instruments and sho...
by investingdad
Mon Dec 02, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? 2020 update
Replies: 241
Views: 40401

Re: Learning Violin as an adult, 3 years later!

It's December, so I'm posting my 3 year follow up to the original thread I started in December 2016 asking for input on whether I should learn violin as an adult. Time flies! Not much new... still weekly lessons, still play an hour a day. Spending most of my "learning" time in Wohlfahrt etudes. An ...
by investingdad
Mon Dec 02, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult? 2020 update
Replies: 241
Views: 40401

Re: Learning Violin as an adult, 3 years later!

It's December, so I'm posting my 3 year follow up to the original thread I started in December 2016 asking for input on whether I should learn violin as an adult. Time flies! Not much new... still weekly lessons, still play an hour a day. Spending most of my "learning" time in Wohlfahrt etudes. An u...
by investingdad
Wed Nov 27, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1934
Views: 472740

Re: Share your net worth progression

Not really. He jumped from ~1 million to ~3.1 million in 7 years. That's the about the same for us, seven years ago until today. I'm hoping I can emulate his numbers from now until next 7 years. Yeah, but tripling in the last 7 years has to include a LOT of new contributions. Even if the AA is 100%...
by investingdad
Wed Nov 27, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1934
Views: 472740

Re: Share your net worth progression

I've tracked this since 1995... 1995 $180,282 1996 $227,727 1997 $312,335 1998 $413,125 1999 $672,846 2000 $720,729 2001 $725,517 2002 $773,543 2003 $1,104,246 2004 $1,496,559 2005 $2,114,260 2006 $2,820,771 2007 $2,933,113 2008 $2,460,812 2009 $3,446,791 2010 $3,275,024 2011 $3,399,804 2012 $4,073...
by investingdad
Wed Nov 27, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1934
Views: 472740

Re: Share your net worth progression

I've tracked this since 1995... 1995 $180,282 1996 $227,727 1997 $312,335 1998 $413,125 1999 $672,846 2000 $720,729 2001 $725,517 2002 $773,543 2003 $1,104,246 2004 $1,496,559 2005 $2,114,260 2006 $2,820,771 2007 $2,933,113 2008 $2,460,812 2009 $3,446,791 2010 $3,275,024 2011 $3,399,804 2012 $4,073...
by investingdad
Wed Nov 27, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 89971

Re: Found hidden safe, should we crack?

Next time... on Bogleheads Oak Island, a clue is found that leads to speculation the safe COULD be a Templar relic. An iron nail is discovered embedded in the carpet. And excitement ramps up when it's discovered the former owner had an uncle's cousin's mother's friend who was a friend of Al Capone...
by investingdad
Tue Nov 26, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 89971

Re: Found hidden safe, should we crack?

People, people...if the OP finds, I don't know, a stash of gold coins or a small fortune, do we REALLY think he's going to come back and announce his $3.5 million haul of booty? I wouldn't. I'd tell you all that I found a couple of risque photos of the prior owner and a few silver dollars and call i...
by investingdad
Fri Nov 22, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Musical Instrument Insurance
Replies: 22
Views: 989

Re: Musical Instrument Insurance

My recently acquired violin was appraised by the luthier from whom I purchased it as a 12k replacement value.

My homeowners policy covered it under separate rider for $40 a year.

They required the appraisal, my luthier obliged.
by investingdad
Thu Nov 21, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Yet another "do I need Umbrella insurance post?"
Replies: 30
Views: 1786

Re: Yet another "do I need Umbrella insurance post?"

We pay ~$400 for a $5 million umbrella.

Unnecessary?

Maybe, but I don't need a lifetime of financial accomplishment undone as a result of some terrible event unfolding over the course of a few seconds.
by investingdad
Wed Nov 20, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: At What Point Did You Realize You Made It?
Replies: 48
Views: 8732

Re: At What Point Did You Realize You Made It?

Hello Bogleheads Community, I am 33 years old with roughly $320,000 invested net worth, which does NOT include money put aside and designated for a car purchase in the next few years and a 20% house downpayment (sales price known/closing in 2020). I am currently a governmental employee and paying i...
by investingdad
Sat Nov 16, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 14426

Re: Best thing you have ever bought?

Putting aside the education and engagement ring comment, which are certainly true for me, and allowing for recency bias I would say violin lessons (plus my recently acquired violin and the bow I found last year).
by investingdad
Wed Nov 13, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 588
Views: 51910

Re: [What UN-frugal thing do you do? What do you splurge on?]

I know I'm resurrecting an old thread, but I just acquired a new-to-me violin that I absolutely love. Made in Mirecourt, France around 1900 or so... give or take a decade. Sounds amazing when I play it. About 9k, quite a bit more than the (not bad) student instrument I have.
by investingdad
Tue Nov 12, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Water hammer
Replies: 27
Views: 2337

Re: Water hammer

A hammer arrestor on the water main inlet is a pretty cheap install. A plumber will charge a few hundred bucks to install the whole thing. It solved our hammer issue.
by investingdad
Fri Oct 25, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 106
Views: 8443

Re: Have you ever purchased a pricy musical instrument?

I'm resurrecting this thread. After trying a lot of violins over the last two years with the luthier I go to (he let me borrow a lot with no time limits), I found one I liked immediately last month. Most of the ones I brought home would end up having one or two things I just didn't like. And I ended...