Search found 370 matches

by Pomegranate
Thu Jan 28, 2021 9:40 am
Forum: Personal Consumer Issues
Topic: Starting a Christmas Tree Farm?
Replies: 17
Views: 2126

Re: Starting a Christmas Tree Farm?

Are you considering it as a tax lowering only or looking for a new source of income?
by Pomegranate
Fri Dec 25, 2020 7:41 am
Forum: Personal Investments
Topic: 36yo running retirement scenarios. Need a review.
Replies: 29
Views: 4033

Re: 36yo running retirement scenarios. Need a review.

Projections to collect SS in >25 years? Well, at least ppl still believe in miracles during holiday season :mrgreen:
by Pomegranate
Wed Dec 23, 2020 7:36 pm
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 468
Views: 98039

Re: 2021 I Bonds: what's your plan?

Will wait till >0% happens. If it’d be still 0% in Dec 21 then I’ll buy half of allowed maximum
by Pomegranate
Wed Dec 23, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: MERRY CHRISTMAS & Happy Holidays to all: Best Holiday Gift you have ever had or given and afforded or not afforded $$$.
Replies: 44
Views: 4378

Re: MERRY CHRISTMAS & Happy Holidays to all: Best Holiday Gift you have ever had or given and afforded or not afforded $

Received - can’t remember :D :oops:
Given - mp3 player for gf 6 months after we start dating. The price was ~1.5 my monthly paycheck! It was the most elegant model on the market. My gf said - hmm, thanks, looks nice :mrgreen: :mrgreen: :mrgreen: :mrgreen:
by Pomegranate
Tue Dec 15, 2020 8:43 pm
Forum: Investing - Theory, News & General
Topic: Question on mortgage additional payments strategy
Replies: 22
Views: 1817

Re: Question on mortgage additional payments strategy

If I make a payment towards principal then the loan time will be reduced. Let's say I have a long mortgage, the question I have is - which strategy is better: 1)Put $100 extra each month for 5 years 2)Buy stable value investments in a ladder manner (CDs, Treasuries) each month and then put the whole saved amount + accumulated interest at the end of 5th year towards principle ? What does "5 years" have to do with it? What is your mortgage rate? What return would you expect to get from your CDs and Treasuries in the coming 5 years? Are these the only two choices for you? (its likely I would recommend neither, if that were an option) Nothing, we can use other timeframe < 30 yrs. It’s a theoretical q 2.5% 1% Yup, only these 2 options
by Pomegranate
Tue Dec 15, 2020 8:42 pm
Forum: Investing - Theory, News & General
Topic: Question on mortgage additional payments strategy
Replies: 22
Views: 1817

Re: Question on mortgage additional payments strategy

aristotelian wrote: Tue Dec 15, 2020 8:29 pm What is the interest rate on the stable value investments compared to the mortgage?
Let’s assume 10 years instead of 5, it gives us ~1%. Mortgage is 2.5%
by Pomegranate
Tue Dec 15, 2020 6:19 pm
Forum: Investing - Theory, News & General
Topic: Question on mortgage additional payments strategy
Replies: 22
Views: 1817

Question on mortgage additional payments strategy

If I make a payment towards principal then the loan time will be reduced.
Let's say I have a long mortgage, the question I have is - which strategy is better:

1)Put $100 extra each month for 5 years
2)Buy stable value investments in a ladder manner (CDs, Treasuries) each month and then put the whole saved amount + accumulated interest at the end of 5th year towards principle
?

Updated - since I posted in ‘theory’ forum let’s skip the ‘practical’ comments like ‘put it to tax advantage account’, ‘buy a better car’, ‘have a nice trip to Hawaii instead’ and so on.
by Pomegranate
Tue Dec 15, 2020 5:40 am
Forum: Personal Investments
Topic: Lost desire to increase my portfolio, temporary?
Replies: 142
Views: 15384

Re: Lost desire to increase my portfolio, temporary?

TheTimeLord wrote: Mon Dec 14, 2020 6:04 pm Maybe it is a temporary lull but I seemed to have lost the desire to increase my portfolio. Instead I feel like doing something else with increases beyond its current level. Anyone else ever hit a plateau and just felt like that's enough?
Well, find a new hobby that’d inspire you :sharebeer
by Pomegranate
Sat Dec 12, 2020 6:09 pm
Forum: Personal Investments
Topic: Bigger is better! 10 years average returns of total portfolio.
Replies: 55
Views: 7810

Re: Bigger is better! 10 years average returns of total portfolio.

Ed 2 wrote: Sat Dec 12, 2020 2:07 pm
Pomegranate wrote: Sat Dec 12, 2020 10:46 am
Laurizas wrote: Sat Dec 12, 2020 2:27 am How come this thread has only received only one reply? No one wants to compare?
I’m in accumulation phase so I have no clue :sharebeer
:wink: No one likes to ..
Well, one of friends bought euros for her European vacation in 2 transactions and the ratio was 1:1.05 and 1:1.10
Each time she was buying something cheap she claimed the euros came from 1:10 transaction but in case of expensive spending - from 1:1.05 :mrgreen: :mrgreen:
So some people do enjoy it :sharebeer
by Pomegranate
Sat Dec 12, 2020 10:46 am
Forum: Personal Investments
Topic: Bigger is better! 10 years average returns of total portfolio.
Replies: 55
Views: 7810

Re: Bigger is better! 10 years average returns of total portfolio.

Laurizas wrote: Sat Dec 12, 2020 2:27 am How come this thread has only received only one reply? No one wants to compare?
I’m in accumulation phase so I have no clue :sharebeer
by Pomegranate
Tue Dec 08, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: What should a 23 year old consider before purchasing a Tesla?
Replies: 264
Views: 19196

Re: What should a 23 year old consider before purchasing a Tesla?

Danimals543 wrote: Tue Dec 08, 2020 6:54 pm
Thegame14 wrote: Tue Dec 08, 2020 6:48 pm easy answer: You dont need another car....
I don’t need to have my own apartment since I can live with my parents too. But I want something fun. And I don’t think $20-$25k is insane on my income....
Here is the issue a lot of bogleheads are missing - we're all aging. For me nowadays a car means nothing but earlier I was able to get a lot of fun from it. So go for it while you can enjoy it! :sharebeer
by Pomegranate
Sat Dec 05, 2020 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: what’s a realistic salary for an IT specialist?
Replies: 48
Views: 5193

Re: what’s a realistic salary for an IT specialist?

It doesn't sound like you are looking for IT specialist jobs, but rather data engineering jobs. Where would you want to live and how much effort would you put into studying? If you could crack any of the top companies you would earn far more in the US. It might not be worth the move to work in non-tech F500 companies, though. Anywhere from $100k-500k is realistic depending on where you live and how skilled you are. That is correct. The ideal position would be an opportunity to design and implement a data science / engineering platform for a non tech company or startup. Or a position in a hardcore engineering tech company, which implies working with people that are both smarter and more experienced at data engineering. Location would be sec...
by Pomegranate
Fri Dec 04, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: what’s a realistic salary for an IT specialist?
Replies: 48
Views: 5193

Re: what’s a realistic salary for an IT specialist?

hello there! i’m a European software engineer contemplating a move to the US. before i look around i want to have a reality check and see what kind of pay would be realistic. i’m in my late twenties and have five years of experience as a data engineer. that’s essentially implementing distributed computing on “big data” for private companies. my responsibilities have not included team lead or increased responsibility up until now. i do have a very good track record as a consultant. think successful projects for satisfied clients, and judge myself as ready for a first stab at something with more responsibilities on a technical level. so right now my gross pay as an independent contractor is about 160.000 usd. my take home is rougly 90.000 us...
by Pomegranate
Fri Dec 04, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: 2 houses for living - how do you manage it?
Replies: 63
Views: 9059

Re: 2 houses for living - how do you manage it?

Thegame14 wrote: Fri Dec 04, 2020 10:37 am I wouldnt rent anything out until after covid-19 is "over" or I would require everyone to show vaccine proof before renting... also being a long distance I would set up a cleaning service between people renting it, maybe a property manager. You can also set up a camera to ensure they arent doing anything crazy, obviously not in bedroom or bathroom but in living room or kitchen and let them know about it. Also you have to make sure where you buy they allow it, my parents second home is in an association and they only allow rentals 2 weeks a year.
Yeah, I'm talking about ~ 3 years horizon from now, hope covid will be over :sharebeer
by Pomegranate
Fri Dec 04, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: 2 houses for living - how do you manage it?
Replies: 63
Views: 9059

2 houses for living - how do you manage it?

We're considering buying another house (<400k) for winter months (1200 miles away) so the plan is to have 7/5 ratio (less likely 8/4).
What's the $ overhead? Is it a good idea to rent one out while living in another one? Any other issues?
by Pomegranate
Thu Nov 05, 2020 8:31 am
Forum: Personal Consumer Issues
Topic: Safe winter escape
Replies: 41
Views: 5823

Re: Safe winter escape

Dockside_Dreaming wrote: Thu Nov 05, 2020 6:04 am Upstate SC is a great place to retire and vacation. Mild winters, beautiful lakes that never freeze, hiking (Foothills trail), golf, etc. Convenient access to metropolitan lifestyle in Atlanta, Greenville and Charlotte. We get a lot of halfbacks here - people who retire to FL and don't like the hurricanes and year-round hot buggy weather. So they move halfway back home to SC. I'm probably a little biased - but we LOVE it and have for over 25 years!
It's quite chilly in SC at winter
by Pomegranate
Mon Nov 02, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to get Tesla Model Y?
Replies: 50
Views: 5700

Re: Am I crazy to get Tesla Model Y?

finanzfrau wrote: Mon Nov 02, 2020 9:26 am
As for going to national parks, I did see Tesla Chargers at Yellowstone this September.
I'm not saying it's impossible but it'd add a lot of charging overhead to the trip time :sharebeer
by Pomegranate
Mon Nov 02, 2020 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to get Tesla Model Y?
Replies: 50
Views: 5700

Re: Am I crazy to get Tesla Model Y?

Mongoose wrote: Sun Nov 01, 2020 8:58 pm Need a sanity check because I am considering doing something that might not be wise.

We are a 1 car family. We need a new car in the next few months. Want to purchase a Tesla Model Y which should come to about $55k out the door.


Crazy?
You mean you'd have only 1 vehicle and it'd be electric?
Don't really understand how it works - what if you want to hit the road and visit few national parks on a long weekend (1-2 kilo miles)?
It's good to have an electric for short commutes but hybrid/gas should be the second backup car then
by Pomegranate
Tue Oct 27, 2020 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Tips on how to get the most of my yearly performance review?
Replies: 40
Views: 5898

Re: Tips on how to get the most of my yearly performance review?

Last year, I had a few great accomplishments that changed the way things were done, and I was in positive media stories a few times. I received my performance review, and all of my information mimicked the examples on the review form. In the categories like "dedication", my boss wrote basically what was in the example paragraph, like "He shows up to work on time every day, uniform looks good, blah blah...". I asked my supervisor about the major accomplishments I had and if he wanted to put them in there (I've used performance reviews in job interviews in the past and they helped). He said, "Well, those were mostly a team effort. Everyone pitches in." That wasn't true. One of my lazy coworkers told me he also g...
by Pomegranate
Tue Oct 27, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Tips on how to get the most of my yearly performance review?
Replies: 40
Views: 5898

Re: Tips on how to get the most of my yearly performance review?

I have been in engineering and engineering management for nearly 20 years. Performance reviews are just theatre. The decisions have already been made and in most cases they are made without any thought to your performance. This has been my experience: -The company decides on a company wide pay increase, say 3%. -Department heads get all their reports salaries added up and multiplied times 0.03. -This is the amount of $ that can be used to give raises -If someone in the department is not pulling their weight, they might get less -If someone in the department has a lower salary than the rest, they get a bigger raise -If someone in the department has a higher salary, they get a smaller raise -Maybe, just maybe, if someone is a stellar perform...
by Pomegranate
Mon Oct 26, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 9884

Re: New smoker recommendation?

dsmclone wrote: Mon Oct 26, 2020 3:25 pm
pilot_error wrote: Sun Oct 25, 2020 9:33 am I’ve really loved my Masterbuilt 560 Gravity Series. It is basically the same temp control as a treager but burns any normal charcoal or wood chunk you throw in it. Cooks a pork butt for 8 hours with no interaction except through an app if you are interested in changing or checking temps.

FUI, a lot of negative reviews out there regarding the quality of the metal in the chimney are misguided in my opinion as the manufacturer has stated this is normal to the “breaking in” process.

https://www.masterbuilt.com/products/gr ... ill-smoker
I also have one of these and love it.
Still googling about this vs BGE. Tough call :annoyed
by Pomegranate
Mon Oct 26, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: No Peeking - 2021 Goal to not look at balances
Replies: 94
Views: 7121

Re: No Peeking - 2021 Goal to not look at balances

Hello! What are the risks of not reviewing my VG account for an entire year? Over the past decade or so I’ve become inherently obsessed with checking my account balances. Daily reviews of progress, gains, losses, and everything in between is commonplace. Most of the time, no action can be taken with this data other than the occasional rebalance or celebration of reaching a new milestone. While drafting my 2021 goals, I recalled an interview with Mr. Bogle where he suggested an investor to never look at their account balance for fear of emotion-based decisions. This sparked a thought for me to not review my Vanguard account for all of 2021. Are there any inherent risks involved with this goal? I have enough emergency funds outside of Vangua...
by Pomegranate
Thu Oct 22, 2020 7:15 pm
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 9884

Re: New smoker recommendation?

psy1 wrote: Thu Oct 22, 2020 5:36 pm A BGE or Kamado Joe are excellent. But they are also a bit of a lifestyle as much as a grill/smoker. I have a BGE XL. Be aware that these grills are very heavy and require support. Mine lives under a 17' x 17' roof built for it. You also need a fair amount of room to store lump charcoal. In addition to the temp controllers (generally useful for temps lower than 350F) you will no doubt buy many accessories which can easily double to cost of the original device. And you need space to store them.

Hmm, what’s the amount of charcoal needed for an 8 hour session for pork butt for example?
by Pomegranate
Thu Oct 22, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Software developer about to seek new opportunities -- discuss salary up front?
Replies: 223
Views: 19013

Re: Software developer about to seek new opportunities -- discuss salary up front?

WHAT YOU DON'T GET IS THESE JOBS ARE NOT PLENTIFUL. They are plentiful enough that anyone who is willing to put in the effort to study for a few months has a good shot one. You can say that for ANY industry. If you are willing to put in the effort, most people are capable of getting to the top of whatever field they choose, which generally results in higher compensation than the median. The ceiling may not be as high as in tech right now, but that doesn't really change anything. Not at all true. I work in corporate finance. If I “studied for a few months” would I have entree into jobs that pay 2-3x the median? Not a chance. SW engineering is unique in this regard. Hmm, I receive resumes of bootcamp folks time to time who "studied for ...
by Pomegranate
Thu Oct 22, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Financially independent, still working, how to spend the extra cash?
Replies: 70
Views: 5503

Re: Financially independent, still working, how to spend the extra cash?

EnjoyIt wrote: Wed Oct 21, 2020 10:08 am Here is our scenario. We have reached financial independence of 25x expenses.
Since we are still making good money what should we do with it?
1)Figure out what you like
2)Do it
:sharebeer
by Pomegranate
Wed Oct 21, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 9884

Re: New smoker recommendation?

Colorado Guy wrote: Wed Oct 21, 2020 11:11 am
Pomegranate wrote: Wed Oct 21, 2020 10:49 am $500 is my friend's budget but I'm opened for a bigger $$ :sharebeer
Here's my opening to respond! :D

https://www.yodersmokers.com/

I upgraded to a Yoder from a Traeger pellet grill (my son now has my old Traeger and loves it). Everything from homeowner to competition type grills. These smokers are quite heavy, giving it a superior heat control. The newish Yoder controller has wifi capabilities to connect to your phone. However, these might be $$$ instead of $$. They are also somewhat hard to find - you can have one shipped from their factory.
What model do you have? Looks like they have wood options as well
by Pomegranate
Wed Oct 21, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 9884

Re: New smoker recommendation?

urodoc1 wrote: Wed Oct 21, 2020 11:05 am One of the perks of the ceramic/kamado smokers is that the temperature is very stable once you get going, so not sure where you got that intel. Having inherited one at the beginning of COVID, I use my BGE all the time. Downside is cost (probably over $1K for the large, which is the standard size, and a few of the must have accessories).

BTW they are crazy heavy... Not sure I can handle bigger then minimax but cooking surface looks ok for my family
by Pomegranate
Wed Oct 21, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 9884

Re: New smoker recommendation?

retiredjg wrote: Wed Oct 21, 2020 10:57 am The temp controller is called EGG genius.
:beer :sharebeer
by Pomegranate
Wed Oct 21, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 9884

Re: New smoker recommendation?

Mr.Chlorine wrote: Wed Oct 21, 2020 10:44 am I use an Akorn (metal off-brand version off Kamado Joe/BGE) and love it! Use it 2-3 times a weekend and 1-2 times during the week. It is more of a challenge than a pellet smoker but also more versatile in my opinion. Can 'grill' as well as 'smoke' foods. Temps range from 200 - 700, where pellet grills struggle to reach high temps.
Hmm, what's the real difference between ceramic and metal in smokers case?
by Pomegranate
Wed Oct 21, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 9884

Re: New smoker recommendation?

bovineplane wrote: Wed Oct 21, 2020 10:10 am

I have a BGE. Love it. If you are worried about temp there is an add on although the name slips me. Allows you to set a temp. Small fan controls air movement to keep temp steady. Communicates wireless to your phone app for monitoring.
What? I definitely missed temp controller part - could you give me the name?
$500 is my friend's budget but I'm opened for a bigger $$ :sharebeer
by Pomegranate
Wed Oct 21, 2020 10:05 am
Forum: Personal Consumer Issues
Topic: New smoker recommendation?
Replies: 103
Views: 9884

New smoker recommendation?

I currently have a Weber grill which is great if I need some quick cook but while visiting my friend I sampled bbq pork shoulder from his $150 electric smoker and it was delicious.
He said that he is looking for a more advanced model in <$500 range but at the same time he is dreaming about Big Green Egg.
I googled about both BGG and Komodo Joe - it looks amazing but looks like maintaining temperature there is a significant effort.
I'd definitely like some smoker that I can 'set and forget' but avoid 'dancing' around it trying to keep the desired temp.
Any suggestions?

Edit - I'm open for a bigger than $500 budget
by Pomegranate
Tue Oct 20, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 14188

Re: Convince us to buy our first luxury car!

28yo. s/o and I have been living frugally last two years, maxing our retirement accounts and have 12 months emergency fund saved up. We’ve been driving a sedan with >220,000 miles for 10 years now and have been considering buying a new car for almost a year. We make gross >$250k combined and feel like we can buy a luxury car like a Audi or Porsche. But this will be a huge lifestyle upgrade and after financing with some cash down, it will increase our monthly expenditure by $800. We’ve done the math and know that we can afford it but is it worth splurging on this luxury? Even a slight upgrade on a car will feel luxurious after our 1999 model sedan. But we’re also going to drive this luxury car a lot for the next 5-10 years till kids come in...
by Pomegranate
Tue Oct 20, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: Protein consumption strength training
Replies: 80
Views: 6704

Re: Protein consumption strength training

MP173 wrote: Mon Oct 19, 2020 5:12 pm Lets set this up properly.

I am NOT looking for medical advise. This is an actionable question.

The best action would be to start looking for a medical advice :sharebeer
by Pomegranate
Sun Oct 18, 2020 6:22 pm
Forum: Personal Consumer Issues
Topic: Yoga mat recommendation?
Replies: 16
Views: 1700

Re: Yoga mat recommendation?

Buy a high quality mat, pay a little more for hopefully a one time purchase. https://www.amazon.com/dp/B0745Y95WT/ref=sspa_dk_detail_1?psc=1&pd_rd_i=B0745Y95WT&pd_rd_w=x9lSE&pf_rd_p=7d37a48b-2b1a-4373-8c1a-bdcc5da66be9&pd_rd_wg=sMWWY&pf_rd_r=4CAFD0ZZGT0S292NA1Z7&pd_rd_r=b0673cbe-280e-496a-969d-a6a56f7cdd12&spLa=ZW5jcnlwdGVkUXVhbGlmaWVyPUExV0M4WkpSMjFNVjJOJmVuY3J5cHRlZElkPUEwOTcyMjQ2Mjk2WlNXTFRUNFhLRSZlbmNyeXB0ZWRBZElkPUEwNzQ2NzU3M0VKVEFYME9YME1WTyZ3aWRnZXROYW1lPXNwX2RldGFpbCZhY3Rpb249Y2xpY2tSZWRpcmVjdCZkb05vdExvZ0NsaWNrPXRydWU= +1 Manduka mats are wonderful and will last forever. I have had the Pro for 10 years and no wear whatsoever (the one downside being that it is a heavier mat to carry, but it’s an incredib...
by Pomegranate
Sun Oct 18, 2020 6:21 pm
Forum: Personal Consumer Issues
Topic: Yoga mat recommendation?
Replies: 16
Views: 1700

Re: Yoga mat recommendation?

Cheez-It Guy wrote: Sun Oct 18, 2020 2:45 pm
Pomegranate wrote: Sun Oct 18, 2020 12:39 pm Such jokes are funny till you got health issues :oops:
Well, if you notice, he started with a Welcome mat and eventually got a real yoga mat. Also, yoga fixed his back despite it being asinine.
The number of stereotypes in this video prevents seeing other stuff. It’s like modern ‘news’. If you notice :mrgreen:
by Pomegranate
Sun Oct 18, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Yoga mat recommendation?
Replies: 16
Views: 1700

Re: Yoga mat recommendation?

Cheez-It Guy wrote: Sun Oct 18, 2020 9:56 am You're welcome:

https://youtu.be/R2gfbF3VUDs
Such jokes are funny till you got health issues :oops:
by Pomegranate
Sun Oct 18, 2020 8:29 am
Forum: Personal Consumer Issues
Topic: Yoga mat recommendation?
Replies: 16
Views: 1700

Yoga mat recommendation?

Just started my yoga journey a month ago and bought some random mat on the clearance. It’s ok but a little bit small for me.
Had few talks with ‘classmates’ and most of them like cork ones.
Any suggestions?
by Pomegranate
Wed Oct 14, 2020 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Software developer about to seek new opportunities -- discuss salary up front?
Replies: 223
Views: 19013

Re: Software developer about to seek new opportunities -- discuss salary up front?

As a fellow software engineer, it's all about equity, not salary. My RSU's are worth 2-5x my salary depending on the year. CA requires salary disclosure now, but is mum on equity. No idea how to phrase that as party of your requirement but here's an attempt: I require a salary of $250k and RSUs of 1.6M to be paid on a 4 year vesting plan. That's 650k/year which for the bay area is good for an engineer with your experience. No idea your location though and I know companies are adjusting for that. Good luck! Let me know how it goes, I might follow in your footsteps! What language do you work with? Are you an IC or management? I ask that because I am a SW engineer (mainly coding in java), with 20 years experience, working for a megacorp in th...
by Pomegranate
Sat Oct 10, 2020 9:46 pm
Forum: Investing - Theory, News & General
Topic: 401k, Roth 401k and Backdoor Roth IRA theory
Replies: 9
Views: 839

Re: 401k, Roth 401k and Backdoor Roth IRA theory

David Jay wrote: Sat Oct 10, 2020 7:39 pm We need to get our terms correct. Is your company offering an "After-tax 401K" or a "Roth 401K"?

I suspect your employer is offering an "After Tax 401K" if they are saying that the new plan provides for additional contribution space, with a "Roth 401K" the $19,500 limit (total) applies to the combination of pre- and after-tax.

Wiki link here: https://www.bogleheads.org/wiki/401(k)
The prospect says "Roth 401K". Yeah if there is no extra limit at the top of 401k then it doesn't sound good for me
by Pomegranate
Sat Oct 10, 2020 6:11 pm
Forum: Investing - Theory, News & General
Topic: 401k, Roth 401k and Backdoor Roth IRA theory
Replies: 9
Views: 839

401k, Roth 401k and Backdoor Roth IRA theory

Hi all, the megacorp I'm working for will make Roth 401k option available in 2021. Right now I max out 401k and Backdoor Roth IRA (and still have few hundreds left for taxable account). Not sure if I got it right but looks like I can contribute up to another $19,500 to Roth 401... Is it a good idea? Not sure what happens if I switch to a company with no Roth 401 option in the future.
by Pomegranate
Fri Oct 09, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: Best Apple Watch for Jogging & Podcasts
Replies: 26
Views: 2782

Re: Best Apple Watch for Jogging & Podcasts

I have exactly the same problem and bought Apple Watch 5 this year. It was really bad experience, a lot of lags and poor software design.
It's the only Apple product I returned in a week - still do jogging with my iphone with wired earphones :sharebeer
by Pomegranate
Fri Oct 09, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: Marketers think I'm elderly. I'm not.
Replies: 47
Views: 5283

Re: Marketers think I'm elderly. I'm not.

BTW is anybody else getting tons of political ad in the mail? Cannot recall a single piece of paper in 2016 but last few months I've been grabbing 20-30 of this crap weekly! They keep talking about going green and climate change but bombard me with hard copies of some nonsense :oops: Not even sure that such papers are recyclable :annoyed
by Pomegranate
Fri Oct 09, 2020 5:49 am
Forum: Personal Consumer Issues
Topic: Marketers think I'm elderly. I'm not.
Replies: 47
Views: 5283

Re: Marketers think I'm elderly. I'm not.

About 10 years ago, I started getting bulk mailings from mortuaries asking me to return a card for a chance to win a free cremation. For about the last five years, I've been getting more mail announcing that I'm turning 65 and should sign up for their medicare supplement plan or hearing aids. At this point, I probably get 2-4 of these every week. I'm 39 years old. I check my credit reports yearly, so I'm pretty sure this is not a fraud issue and just a marketing algorithm gone wild. Has anyone had similar experiences? I'm wondering whether having larger IRA/401k balances (~600k total, 50k-250k each individual account), paying off my mortgage, or other 'uncommon' things for someone my age is getting me classified as much older than I am in ...
by Pomegranate
Sun Sep 20, 2020 6:44 am
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 7672

Re: Ring for a new girlfriend

From all the brands mentioned here I heard about tiffany and cartier before. I checked all the links and WOW - most of the rings from tiffany looks like from another planet in comparison with others. Rare example when the brand matters :sharebeer Wait...are you still looking for a ring?! :oops: No I changed my mind in favor of apple watch of course :mrgreen: sounds like you are being sarcastic, but a ring is the ABSOLUTE LAST thing you should get her unless you are proposing. Apple watch sounds like a GREAT gift, but again sounds like you are being sarcastic, which is odd because you are 100% wrong.... Your cultural and/or generational bias is showing! As is that of many other posters here. Who says that a ring is loaded with meaning and e...
by Pomegranate
Sun Sep 20, 2020 6:43 am
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 7672

Re: Ring for a new girlfriend

Wait...are you still looking for a ring?! :oops: No I changed my mind in favor of apple watch of course :mrgreen: sounds like you are being sarcastic, but a ring is the ABSOLUTE LAST thing you should get her unless you are proposing. Apple watch sounds like a GREAT gift, but again sounds like you are being sarcastic, which is odd because you are 100% wrong.... Your cultural and/or generational bias is showing! As is that of many other posters here. Who says that a ring is loaded with meaning and expectation of a deeper committed relationship? Conversely, who says that a similarly expensive necklace or bracelet wouldn’t be interpreted in the same way? Do you know the OP personally or the girlfriend? OP came here to ask for ring recommendati...
by Pomegranate
Fri Sep 18, 2020 10:28 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 7672

Re: Ring for a new girlfriend

BUBear29 wrote: Fri Sep 18, 2020 9:43 pm
Pomegranate wrote: Fri Sep 18, 2020 8:36 pm From all the brands mentioned here I heard about tiffany and cartier before. I checked all the links and WOW - most of the rings from tiffany looks like from another planet in comparison with others. Rare example when the brand matters :sharebeer
Wait...are you still looking for a ring?!

:oops:
No I changed my mind in favor of apple watch of course :mrgreen:
by Pomegranate
Fri Sep 18, 2020 8:36 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 7672

Re: Ring for a new girlfriend

From all the brands mentioned here I heard about tiffany and cartier before. I checked all the links and WOW - most of the rings from tiffany looks like from another planet in comparison with others. Rare example when the brand matters :sharebeer
by Pomegranate
Fri Sep 18, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 7672

Re: Ring for a new girlfriend

MortgageOnBlack wrote: Fri Sep 18, 2020 4:21 pm If you and her are both Apple users and don’t have the Apple Watch, how about “His and Hers Apple Watch”?
:shock: :annoyed :confused
by Pomegranate
Fri Sep 18, 2020 8:19 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 7672

Re: Ring for a new girlfriend

$1000 won't get much from Tiffany. Suggest Blue Nile or Brilliant Earth, or a local non chain jeweler runner540: Your post reminds me of a similar time shortly after being drafted for WWII in 1941. I wanted to buy my girlfriend a ring. I knew that an emerald represented her birthday. I was in New York and looking in the store windows in Times-Square for green emerald rings. There were lots of them at a low price I could afford. I had heard about TIffany so I went to 5th avenue and visited their store. I asked the well-dressed salesman to see their emerald rings. I was in my new Army uniform. The salesman looked at me and asked how much I could afford to pay? I remember saying, "up to $50." Instead of laughing,* the salesman told ...
by Pomegranate
Fri Sep 18, 2020 5:15 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 7672

Re: Ring for a new girlfriend

EnjoyIt wrote: Fri Sep 18, 2020 3:24 pm
Pomegranate wrote: Fri Sep 18, 2020 3:22 pm I started to date a new girlfriend (mid 30s) in the beginning of the year. Looking to buy her a nice looking ring (it's not for engagement/wedding) but I have 0 clue what brands are popular now. Do people shop online for such stuff nowadays? Budget wise $1000-1500 I guess :annoyed
Can’t go wrong with overpaying for anything from tiffanies.
Yeah I checked the websites mentioned here... Tiffanies is more expensive but way more stylish. A lot of options to consider <$2000 - I feel ok to bump the budget based on what I saw