Search found 2131 matches

by Starfish
Fri Apr 16, 2021 8:59 pm
Forum: Personal Consumer Issues
Topic: Best Tires
Replies: 79
Views: 8511

Re: Best Tires

on a car that old, I'd probably save the money and go with BFGoodrich Advantage TA Sport, which are rated nearly the same on TireRack. I would argue that an older car needs to have better tires because of less effective electronic stability control and crumple zones. But generally speaking I would ...
by Starfish
Fri Apr 16, 2021 8:48 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car (in the US)
Replies: 10
Views: 984

Re: Negotiating for a new car (in the US)

By no means did I suggest to just walk in and buy at sticker price. I know my dad would spend all day talking down the car dealership on price. Generally the last few hours were quibbling over the last $400 or so. I'm saying instead of working like mad to reach a $0-$250 over invoice and playing al...
by Starfish
Fri Apr 16, 2021 3:47 pm
Forum: Personal Consumer Issues
Topic: C8 Corvette?
Replies: 44
Views: 3698

Re: C8 Corvette?

I've been lusting after and planning the purchase of one since it was announced. After all, the mid-engine Corvette has been a dream of mine since I had the poster of the "Corvette Indy" prototype on my wall as a kid. Plan has been to buy one in ~2 years when my 13.5 yo steals my current ...
by Starfish
Fri Apr 16, 2021 3:41 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car (in the US)
Replies: 10
Views: 984

Re: Negotiating for a new car (in the US)

Another approach is to not beat your head against a wall to save 1-2 thousand dollars on a 30-40K car. yes you can do it but how much stress and aggravation are you willing to endure to get it. Money have absolute value, not relative. 2000$ buy you the same thing regardless of how/where you save th...
by Starfish
Fri Apr 09, 2021 12:43 pm
Forum: Personal Consumer Issues
Topic: Definition of one more year (OMY).
Replies: 41
Views: 3760

Re: Definition of one more year (OMY).

For me it's not OMY but OMM (one more million) in today's financial climate.
by Starfish
Thu Apr 08, 2021 8:10 pm
Forum: Personal Consumer Issues
Topic: How much $$ to get kitchen cabinets painted?
Replies: 42
Views: 4123

Re: How much $$ to get kitchen cabinets painted?

Hey all, wondering how much people have paid to get their kitchen cabinets painted... Kitchen is a pretty decent size, counted 37 drawers/cabinets plus an island. Getting quotes from $2,800-$4,000... In MCOL area. Thanks. I don’t mean to be glib, but you could buy enough paint and brushes to do tha...
by Starfish
Tue Apr 06, 2021 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Job Transfer from LCOL (NE WI) to MHCOL (Reno, NV) - Advice on salary differential expectations?
Replies: 9
Views: 625

Re: Possible Job Transfer from LCOL (NE WI) to MHCOL (Reno, NV) - Advice on salary differential expectations?

I would be very surprised if your company considers Nevada and Wisconsin to be in different pay bands. My company has five pay bands across the US and both those locations would be in the bottom pay band. Nevada is huge and has all kind of prices. Stateline and Incline Village have NorCal prices. R...
by Starfish
Tue Apr 06, 2021 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Staying at a company after giving notice? (counter-offer)
Replies: 58
Views: 5838

Re: Staying at a company after giving notice? (counter-offer)

Mlm wrote: Tue Apr 06, 2021 8:27 pm I would never accept a counter offer, ever. To me it just says bad things about your current company.
A common way to get a raise is a counteroffer.
by Starfish
Tue Apr 06, 2021 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Job Satisfaction vs Maximizing Income
Replies: 87
Views: 5882

Re: Job Satisfaction vs Maximizing Income

The quantities make a lot of difference. What does maximizing income mean? 20k$ vs 200k$? Long term vs short term? What is job satisfaction? Is the bad job going to ruin your health in 10 years? is the good job as interesting after 10 years? In my opinion, in certain fields, if you like what you do...
by Starfish
Tue Apr 06, 2021 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Job Satisfaction vs Maximizing Income
Replies: 87
Views: 5882

Re: Job Satisfaction vs Maximizing Income

The quantities make a lot of difference. What does maximizing income mean? 20k$ vs 200k$? Long term vs short term? What is job satisfaction? Is the bad job going to ruin your health in 10 years? is the good job as interesting after 10 years? In my opinion, in certain fields, if you like what you do,...
by Starfish
Tue Apr 06, 2021 6:51 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3659

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

Did the noise increase in time? Was it quieter a year ago?
by Starfish
Mon Apr 05, 2021 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48231

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

It's not deserted because of the 400K dual income tech workers, foreign money etc, pricing natives out of their neighborhoods. Many middle income earners live with their parents or in-laws or have inherited homes or received assistance with housing purchase. I am not sure I understand this correctl...
by Starfish
Mon Apr 05, 2021 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Income problem, not savings. Tips from high earners?
Replies: 15
Views: 1938

Re: Income problem, not savings. Tips from high earners?

Retirement/financial independence is just a function of percentage saved and it has nothing to do with the income. If you save 65% you should be able retire with the same expenses as now in less than 15 years. If you do not like the level of expenses you have now, there are 2 options. One is to incr...
by Starfish
Sat Apr 03, 2021 2:12 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 652
Views: 48231

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

It's not deserted because of the 400K dual income tech workers, foreign money etc, pricing natives out of their neighborhoods. Many middle income earners live with their parents or in-laws or have inherited homes or received assistance with housing purchase. I am not sure I understand this correctl...
by Starfish
Sat Apr 03, 2021 1:19 am
Forum: Personal Finance (Not Investing)
Topic: WFH Light a "FIRE" in anyone else?
Replies: 20
Views: 3148

Re: WFH Light a "FIRE" in anyone else?

My meeting schedule in my case starts at 8 and ends at 11pm, sometimes in the same day. The desk feet away from the bed makes people work 18h a day (not necessary intense or effective though). Work is less efficient and expanded to fill up all the available time saved by not commuting, having dinner...
by Starfish
Wed Mar 31, 2021 11:05 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 255
Views: 25232

Re: High spenders what do you spend on?

We live modestly and still easily spend 100k$ a year. By modestly I mean: old cars, one kid, public school, 2 bedrooms and 1600sq ft house, no cleaners or gardeners, rarely eat out and never take out, lots of DYI, no expensive hobbies, cheap wine, we don't own anything of value etc. We travel but ch...
by Starfish
Wed Mar 31, 2021 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Job Dilemma
Replies: 68
Views: 7118

Re: Job Dilema

Money are nice but you should not sell time NOW, when you are young, for potential time later when the quality of time is not as good. That is just wrong. However if you do no do anything important after 5, and you think the you will like the job, option 2 is not bad either. The fact that you ask th...
by Starfish
Tue Mar 23, 2021 12:44 am
Forum: Personal Consumer Issues
Topic: Planning a long backpacking trip w/ 2 nights in Vegas, recommendations? (Zion Nat'l Park, Yosemite, Grand Canyon)
Replies: 60
Views: 4655

Re: Planning a long backpacking trip with a night or two in Vegas, recommendations?

Got advance permit reservations? Any particular reason you want to backpack in Yosemite? Imo, the highlight of Yosemite is the Valley, but that’s not a great backpacking destination. I personally avoid the valley like the plague, too crowded and hot. Yosemite is a great backpacking destination. The...
by Starfish
Wed Mar 17, 2021 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too
Replies: 211
Views: 12315

Re: National Reputation of Worcester Polytechnic Institute (WPI)? other input welcome too

I am a west coast based engineer and I know WPI, however I went to a similar tiny private engineering school (it can be guessed from my username). There are advantages and disadvantages to a small technical college. Personally it was the best environment for me. The lack of name recognition may hav...
by Starfish
Tue Mar 16, 2021 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: ESSP selling strategy - BH way?
Replies: 32
Views: 2052

Re: ESSP selling strategy - BH way?

From a tax perspective, there is no reason to hold ESPP or RSU shares, they are both taxed at fair market value as ordinary income on vesting day, your tax basis on the shares becomes the price at vesting day. However, there might be company policy to consider, you will need to read the details of ...
by Starfish
Sun Mar 14, 2021 1:29 am
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 149
Views: 9604

Re: What are your travel plans in 2021 and beyond?

I had a great experience traveling in 2020 (unfortunately limited to 2 trips to Hawaii, and couple more longer trips by car) but I plan to return to normal in 2021. I just booked my flights to Europe for summer. With miles, at very good rates. There are enough countries with no restrictions. Nowaday...
by Starfish
Thu Mar 11, 2021 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody Changing Their Pre-Tax Investing Due to Recent Legislation?
Replies: 29
Views: 3270

Re: Anybody Changing Their Pre-Tax Investing Due to Recent Legislation?

CoastLawyer2030 wrote: Wed Mar 10, 2021 9:18 pm Anyone else making similar moves?
No way. My marginal tax rate is ~45%. I should be crazy to give up any tax advantaged space, it almost doubles the money instantaneously.
Only if I had 75k of pre-tax space.
by Starfish
Thu Mar 11, 2021 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a new construction house and taxes
Replies: 39
Views: 2447

Re: Selling a new construction house and taxes

Note that I have most of my savings in the house (I do not have a loan on it, which is good in that I'm not losing money on interest but bad in that my money is tied up in a losing real estate venture and not in the market or in real estate I am actually going to lose). Nope, is not good at all tha...
by Starfish
Thu Mar 11, 2021 4:41 pm
Forum: Personal Consumer Issues
Topic: How much do you pay your tax professional?
Replies: 60
Views: 6453

Re: How much do you pay your tax professional?

I am just curious, why people pay a CPA and more time (it takes more time with a CPA in my experience) for pretty common situations? By pretty common I mean everything from ESPPP, RSU, stocks, K1, retirement plans, Roth conversion, to rental real estate. When I stated doing my taxes I used only a p...
by Starfish
Thu Mar 11, 2021 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Selling a new construction house and taxes
Replies: 39
Views: 2447

Re: Selling a new construction house and taxes

Note that I have most of my savings in the house (I do not have a loan on it, which is good in that I'm not losing money on interest but bad in that my money is tied up in a losing real estate venture and not in the market or in real estate I am actually going to lose). Nope, is not good at all tha...
by Starfish
Wed Mar 10, 2021 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Selling a new construction house and taxes
Replies: 39
Views: 2447

Re: Selling a new construction house and taxes

Note that I have most of my savings in the house (I do not have a loan on it, which is good in that I'm not losing money on interest but bad in that my money is tied up in a losing real estate venture and not in the market or in real estate I am actually going to lose). Nope, is not good at all tha...
by Starfish
Wed Mar 10, 2021 11:14 pm
Forum: Personal Consumer Issues
Topic: How much do you pay your tax professional?
Replies: 60
Views: 6453

Re: How much do you pay your tax professional?

I am just curious, why people pay a CPA and more time (it takes more time with a CPA in my experience) for pretty common situations? By pretty common I mean everything from ESPPP, RSU, stocks, K1, retirement plans, Roth conversion, to rental real estate. When I stated doing my taxes I used only a pe...
by Starfish
Tue Mar 09, 2021 2:22 am
Forum: Personal Consumer Issues
Topic: Leather vs Cloth Car Seats
Replies: 71
Views: 5361

Re: Leather vs Cloth Car Seats

I personally cannot stand leather seats of furniture. I find it unpleasant to the touch, especially if slightly wet, cold, too hot etc. I would pay 1000$ more to have cloth seats.
by Starfish
Mon Mar 08, 2021 2:16 am
Forum: Personal Consumer Issues
Topic: Cast iron cooking tips
Replies: 59
Views: 4430

Re: Cast iron cooking tips

Cast iron is very overrated. Use a carbon steel pan, like what all restaurants use. Much lighter and gives the same, if not better results. I personally don't use a pan to cook, but use two woks. One stainless steel for steaming and boiling and one black carbon steel for stir frying. Does the job f...
by Starfish
Mon Mar 08, 2021 2:14 am
Forum: Personal Consumer Issues
Topic: Cast iron cooking tips
Replies: 59
Views: 4430

Re: Cast iron cooking tips

I used cast iron pans for a while now (years) but I never did any "real" seasoning. I just wash them with very hot water and steel wool. I do burn them for time to time (which I guess is a kind of seasoning) on the stove for several minutes, not in the oven, and add a drop of oil, but not ...
by Starfish
Tue Mar 02, 2021 12:17 am
Forum: Personal Consumer Issues
Topic: Unclogger-Drain Cleaner
Replies: 40
Views: 2533

Re: Unclogger-Drain Cleaner

As a rule, I don't like solving plumbing issues with chemicals. Manual means are much preferred. This. My washing machine was not pumping the water out and I thought the pump is dead. I bought a new one and when I remove the tubes to replace it I found that it had filter (hidden pretty well) full o...
by Starfish
Sat Feb 27, 2021 12:02 am
Forum: Personal Consumer Issues
Topic: Looking for Safer WiFi Router Solution
Replies: 12
Views: 1223

Re: Looking for Safer WiFi Router Solution

While I understand that the health effects research isn’t definitive, I prefer to err on the side of safety when it comes to exposure to electromagnetic (EMF) radiation. Having an “on all day” high-end WiFi router represents the most significant EMF exposure in my life. Radio frequency bursts up to...
by Starfish
Fri Feb 26, 2021 9:11 pm
Forum: Personal Consumer Issues
Topic: Unclogger-Drain Cleaner
Replies: 40
Views: 2533

Re: Unclogger-Drain Cleaner

I hope you don't ever have to snake or otherwise manually clear that drain, a half gallon of Clorox is a serious danger to you, your home and the person doing the work. I drank who knows how many gallons in my entire life, should I be worried? If you did any of those gallons straight then you bough...
by Starfish
Fri Feb 26, 2021 2:44 pm
Forum: Personal Consumer Issues
Topic: Unclogger-Drain Cleaner
Replies: 40
Views: 2533

Re: Unclogger-Drain Cleaner

i've had good results with just pouring half a gallon of chlorox bleach down a clogged bathtub drain. then open up the hot water 15 minutes after pouring. I hope you don't ever have to snake or otherwise manually clear that drain, a half gallon of Clorox is a serious danger to you, your home and th...
by Starfish
Fri Feb 26, 2021 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Stepping back in career when wife is doing well?
Replies: 54
Views: 5031

Re: Stepping back in career when wife is doing well?

Another observation. It's been my observation that in situations where the husband has a high achieving, high income wife, a subtle resentment builds against him and you may find that your reviews and compensation , and collegial environment, are negatively affected by what can only be termed jealo...
by Starfish
Fri Feb 26, 2021 2:33 pm
Forum: Personal Consumer Issues
Topic: Unclogger-Drain Cleaner
Replies: 40
Views: 2533

Re: Unclogger-Drain Cleaner

i've had good results with just pouring half a gallon of chlorox bleach down a clogged bathtub drain. then open up the hot water 15 minutes after pouring. I hope you don't ever have to snake or otherwise manually clear that drain, a half gallon of Clorox is a serious danger to you, your home and th...
by Starfish
Fri Feb 26, 2021 2:20 pm
Forum: Personal Consumer Issues
Topic: Unclogger-Drain Cleaner
Replies: 40
Views: 2533

Re: Unclogger-Drain Cleaner

As a rule, I don't like solving plumbing issues with chemicals. Manual means are much preferred. This. My washing machine was not pumping the water out and I thought the pump is dead. I bought a new one and when I remove the tubes to replace it I found that it had filter (hidden pretty well) full o...
by Starfish
Fri Feb 26, 2021 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Stepping back in career when wife is doing well?
Replies: 54
Views: 5031

Re: Stepping back in career when wife is doing well?

Another observation. It's been my observation that in situations where the husband has a high achieving, high income wife, a subtle resentment builds against him and you may find that your reviews and compensation , and collegial environment, are negatively affected by what can only be termed jealo...
by Starfish
Wed Feb 24, 2021 7:19 pm
Forum: Investing - Theory, News & General
Topic: Buying Lottery Tickets: Playing Devil's Advocate
Replies: 42
Views: 3241

Re: Buying Lottery Tickets: Playing Devil's Advocate

This is my thinking as well.
The problem is that probably last decade will not repeat, because too many people realized this. But I see no problem with putting small amount of money of high risk high return plays, as long as the amount is very well controlled and considered an expense not investment.
by Starfish
Wed Feb 24, 2021 6:57 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 5531

Re: What is the deal with "DW"?

It's not the abbreviation. It's the annoyance and ridiculousness of it.
Besides abbreviating dear negates the idea completely.
by Starfish
Wed Feb 24, 2021 4:31 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 5531

Re: What is the deal with "DW"?

Miriam2 wrote: Wed Feb 24, 2021 4:06 pm Well, the "D" in DH could mean many things :wink: Not so for DW of course :happy

Devil's?
by Starfish
Wed Feb 24, 2021 1:49 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 5531

Re: What is the deal with "DW"?

greg24 wrote: Wed Feb 24, 2021 1:37 pm Dear Wife
Dear Husband
Dear Son
Dear Daughter

I agree it is a little odd how prevalent this usage is on a forum that doesn't use much slang.
Why are all dear? Why do I have to know that they are dear to the poster? When the dear part becomes default doesn't lose all the value? So many questions!
by Starfish
Wed Feb 24, 2021 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Stepping back in career when wife is doing well?
Replies: 54
Views: 5031

Re: Stepping back in career when wife is doing well?

My wife and I are working with tech companies, in a mid-management role and we had total compensation of around $1.3m+ in 2020 ($550K for me and $750K+ for my spouse due to stock appreciation). Our household comp has been above $1m for the last two years and is expected to continue for the next 2-3...
by Starfish
Mon Feb 22, 2021 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Lexus RX 350 big enough for a family of 3?
Replies: 48
Views: 2956

Re: Is a Lexus RX 350 big enough for a family of 3?

RX 350 is that huge SUV right? My family of 3 fits used to fit in a 2 door Civic, now it fits very well in a VW GTi or a VW CC for skiing trips with skis inside. I have never owned a SUV, and don't intend to own one. I go at least 30 days a year skiing, hiking, camping, biking 4-6h away. I don't nee...
by Starfish
Thu Feb 18, 2021 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay Area to LA Area - Best Value?
Replies: 114
Views: 8452

Re: Moving from Bay Area to LA Area - Best Value?

The main point I am trying to make is that, if the motivation is to retire at 50, moving from BA could have an opposite effect. The return on RE in the last 45 years with the leverage given by low interest mortgages was great. Obviously, nobody knows if it will continue but 45 years is a long period...
by Starfish
Thu Feb 18, 2021 1:48 pm
Forum: Personal Consumer Issues
Topic: [Generators]/ supplemental power generation
Replies: 162
Views: 8714

Re: [Generators]/ supplemental power generation

Nat gas generators cab easily changed to propane with a manual switch. Use the tank from the grill for short times.
by Starfish
Thu Feb 18, 2021 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay Area to LA Area - Best Value?
Replies: 114
Views: 8452

Re: Moving from Bay Area to LA Area - Best Value?

There was no pull back in RE market in BA ever. In 2008-2009 prices fell 30-50% in most of BA. https://www.ricroc.com/wp-content/uploads/2016/08/Bay-Area_Median-SFD-Prices_by-County_since-1990.jpg Is the pull back inevitable from today's prices? I would not bet money on it. I was actually looking f...