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Normchad

You’re probably doing just fine. If you weren’t, they’d put you on some sort of documented improvement plan This could be imposter syndrome. Or you could be overly sensitive. But here’s my guess. Companies just don’t train employees anymore, and they don’t really document how they do things, and wha...

Normchad

So... forgive my ignorance as a city slicker who doesn't own a car, but if these are otherwise identical vehicles (and therefore thus value for the books), why is it easier to swap cars than it is to update an entry in a database? Here is my guess. The car the dealer currently possesses has already...

Normchad

+1 Eulogy building.. that's a sobering goal! Yes, that thought occurred to me as well. But I think the point is a good one. The kinds of things that people mention in a Eulogy are not things the subject gets to say, only his loved ones do. In the end that’s all we got, what our loved ones thought o...

Normchad

It sounds like you’re saying “hey kid, if you put $X into a Roth IRA, I will give you a replacement $X so it really costs you nothing”. I did that with my kid too. So obviously I think it’s a great idea. Education really is the key. I’m sure she will be fine. I opened the account for the kid, and p...

Normchad

It sounds like you’re saying “hey kid, if you put $X into a Roth IRA, I will give you a replacement $X so it really costs you nothing”. I did that with my kid too. So obviously I think it’s a great idea. Education really is the key. I’m sure she will be fine. I opened the account for the kid, and pu...

Normchad

You should determine what your actual market value is. The best, most accurate way to do this is to interview for new jobs and see what offers you get. It takes time, but if you’re underpaid, it’s easy money. Once you actually know this, then things get easy. Just tell your boss you like your job an...

Normchad

I have heard more good things about RoseH than I would expect for a school of its size. Ski Terre Haute! https://www.youtube.com/watch?v=3IPgGmLexzY [Before there was Photoshop. I always thought it was real, albeit staged, until now.] Some say it's one of the Big 3 Tech schools, and some consider i...

Normchad

I have heard more good things about RoseH than I would expect for a school of its size. Ski Terre Haute! https://www.youtube.com/watch?v=3IPgGmLexzY [Before there was Photoshop. I always thought it was real, albeit staged, until now.] Some say it's one of the Big 3 Tech schools, and some consider i...

Normchad

I had a lot of spare time on my hands back in 1992. That’s when I decided my life goal was to amass a net worth of $4M at 65, and retire. I don’t honestly remember how I came up with it, but over the years I haven’t had any reason to change it. So, that’s the number. A net worth of $4M. My criteria ...

Normchad

I would have them deliver the new car to you and not drive the other car since you do not have car insurance on it. Get a rental car until then if you need to, the dealership should reimburse you for that. ^This. Don't drive that car again. Sounds like an honest mistake at the dealer. You will be c...

Normchad

We have found it easy to have no federal liability since capital gains have figured prominently in our income stream. Our state taxes LTCG as income so this unicorn keeps having state taxes. The techniques surrounding this concept have piqued my interest. I am coming to the end of 40 years as an em...

Normchad

Wow, this sounds like a bad situation. You should move to be with your spouse, then let the chips fall where they may. If they insist you go back to the office, then you should quit. But if you do that, if you're willing to quit, they might change their mind. but I wouldn't put up with what you're d...

Normchad

For MFJ capital gains are not taxed up to 80K. Then the next 24K are the standard deduction. So if you live off your investments, you can have 104K non-taxable income. And that's in addition to the cost-basis of your proceeds, which are not subject to taxation. This is it right here. And it’s my pl...

Normchad

Our company pays significant bonuses to about 95% of the workforce. They do this twice a year for the last 25 years. It is regular as clockwork, but it is discretionary. We never include this in the offer letters. We also don’t include the Christmas bonus, etc etc. As a company, we love doing bonuse...

Normchad

We used a website that would let us make our own sheets of problems. They were highly customizable, so for example you could pick the range of numbers in multiplication problems,etc. we found it to be easy and great,,,, they seems to have a variety of subjects appropriate for lots of grade levels as...

Normchad

That all seems reasonable. Probably just showing by appointment only will achieve your goal. (Keeping out the looks-loos and nosed neighbors). It seems more common now to not have a for sale out front. Might recommend you do that too, if you don’t want a lot of neighborly interest. On the other hand...

Normchad

I went tempurpedic.

For me, I only did it because of the 90 day return policy if you buy it directly from them.

And that’s because, as far as I can tell, there is no good way to evaluate a bed without sleeping on it for two weeks or so....

So I took a chance on this one, and it worked out.

Normchad

Unpopular opinion: if you have kids you’ve probably been coasting at work a long time. Or a horrible parent. Funny, but true... My employees without kids work about 45 hours a week and my employees with kids work about 35 hours a week. having kids is way harder than any office job I could ever imag...

Normchad

You seem mighty harsh to the OP and anyone else that would like to have a less stressful job and/or more downtime. Nope. Coast if you want. Just don't pretend it's for your diet or so you can find the time to purchase glasses. It's okay to just want to work part-time. OP here. To be clear: the heal...

Normchad

If you’re not growing, you’re dying. Mid 30s is too early to stagnate.

Normchad

Here in the Pacific Northwest my daughter got reasonable merit aid offers from Gonzaga, Whitman, Lewis & Clark, University of Oregon, Washington State, and University of Puget Sound. She got a less generous merit aid offer from Occidental College in CA. I wouldn't know what the exact equivalent...

Normchad

TLDR. OP: As someone who stepped back (sold business/retired) as wife's career took off, I came up with a simple solution for supporting my spouse: Copy the behaviors she exhibited when I was the one working 80 hours a week. Regarding modeling good behavior for your children, I can't think of a bet...

Normchad

Yes, it will. Ultimately, these decisions are made by humans, with human emotion and human biases. “Out of sight, out of mind” applies here. Also, people don’t like to give each other bad news. If your boss has to pick between a remote worker, and one he sees everyday, he might just pick the local g...

Normchad

Personally, I think college costs will continue to rise. Why shouldn’t they? People are lining up to,pay them. And thanks to COVID, we know how bad and sorely lacking distance learning is. So that doesn’t help..... On the other hand, I think there are an awful lot of jobs that require a degree, but ...

Normchad

My kid didn’t pay 1 dollar for her undergrad tuition. She was a very strong student, who graduated at the top of her high school class and got great standardized test scores. She was admitted to UVA, William & Mary, etc etc. the only school she wasn’t accepted to was Stanford. She choose to go t...

Normchad

Interesting thread. I did my own garage, and it looks brand new even after ten years. I used Rust-oleum epoxy shield, and I think I spent about $150 all in. It wasn’t difficult to do. The hardest part was emptying out the garage, and staying out of it for a couple days while it dried. The only thing...

Normchad

It’s like gold, except it has no industrial uses, or ornamental uses. It’s a scam, that some people are getting rich from.

Normchad

Emptykeg wrote: ↑Sat Apr 17, 2021 8:53 pm Went over 12 million in net worth last week. My plan was to get there by 55 years old but thanks to this crazy bull market, got there right before turning 50 this summer. My plan was to retire at 55. Now I’m wondering if 50 sounds better.

Good google-moogly! Congrats!

Normchad

Good luck. I’d bet you are stuck on the insulation bill. Hello, I am providing an update to every person who previously commented on this post... because I appreciate everyone / you taking the time to provide input. Here is the update: Based on advice on this thread, I contacted the MN Public Utili...

Normchad

We hit $1.5M in our investment accounts today (excludes cash, 529, and paid-off home). Probably also topped $2M net worth recently, but I don’t really track my home value too closely. A big thanks to the forum for helping us achieve this big milestone in our mid/late 30s! Amazing feat! Congratulati...

Normchad

I keep seeing posts in my car groups for C8s at $40k over sticker. I'm not a vette guy but if I were and in the market for one, there's something about that that turns me off. If you find one for sticker then grab it! c8's can be had for sticker price, but it takes some shopping around and diligenc...

Normchad

I wouldn’t accept any cut in pay. I bet you can either find a higher paying job close to where you are now, or an equal or better paying job someplace else in the country. Where does your wife’s family live? That is usually very important.... Just put in some time looking around to get a feel for th...

Normchad

Unless coasting means going from 60 hours to 25 hours per week. As far as I can tell, your need for glasses and a good diet is the same with a 25 hour job as it is with a 60 hour job. It makes prioritizing fitness, meditation, and relationships way, way easier. If you aren't able to prioritize your...

Normchad

Approved.

It’s your money spend on things that make you happy.

Normchad

....unless this entire post/discussion was started as a term we call "gunner behavior" in med school, where you deliberately mislead other people from making the right choice, eliminating competition for select spots before they even know it. Nope. My kid is average. The ROI for spending ...

Normchad

Just wait til you try to buy life insurance..... those questions actually are personal.....

Normchad

If you like it, take it to a Vaccuum repaid shop and see what they say.

Normchad

I give that info out freely. It’s already out there. Me giving it out doesn’t make the problem any worse. For the longest time, my SSN was printed on my checks. And it was my account number at the bank, etc. It is literally everywhere..... Edited: and it as also my drivers license number for around ...

Normchad

I’ve used porcelain tile on a backsplash. I’d have no hesitation using that stuff on a floor. The tiles I used, you could hit them pretty hard with a hammer and they wouldn’t even chip. Never had any issues or stains with them. I really can’t believe that they could stain, to be honest.

Normchad

I went into management about 12 years ago. It's been fine, and very lucrative. I don't love it. To this day, I still do not know if it was the right decision or not. Being an IC comes with a lot of stress and frustration. And being management comes with a lot of stress and frustration, although comp...

Normchad

I would. Somebody around here said that 90% of the time, the market is at or near an all time high. So I either have to retire near one, or retire when it's diving into the tank. And none of us is brave enough to do that.... so I think I am doomed to retire at or near an all time high. I don't know ...

Normchad

Hire someone with experience. It's not rocket surgery, but they license electricians for a reason. To increase pricing power by artificially limiting supply? :sharebeer Like many trades and professions, electrical work comprises of some work that can be done by almost anybody with an 8th grade educ...

Normchad

Reading these responses, my conclusions are that a letter PROBABLY wouldn't help, but DEFINITELY wouldn't hurt (if I am careful about what I write) and MIGHT help with just the right seller. And writing a letter is easy. So it seems to make sense to do it. If the seller doesn't bother reading it, f...

Normchad

I guess to answer your question, I'd probably take 5% less if I thought it would get me a quicker, trouble free close. Wow - that's a lot of money for a nice letter! yeah, it might be worth $100 per word. Of course, there is no guarantee. I think people leave a lot more money than that on the table...

Normchad

As a seller, I think a letter would impact my decision, if the offer was otherwise competitive. Interesting. How much money would you give up for a well-written letter? I really prioritize a quick, hassle free closing. If I had reason to think the highest offer either wouldn't close, or would creat...

Normchad

My single biggest expense in life is Insulin. It's worth it.....

Actually, I spend more on taxes. I also think those are worth it.

Normchad

Considering most bogleheads are very conservative, I don’t get why “SWR” rates are so heavily discussed when we know ANY flexibility drastically increases your chances of success. I think it would be more prudent to make a more realistic withdrawal method the standard so that we can stop talking ab...

Normchad

As a seller, I think a letter would impact my decision, if the offer was otherwise competitive. When I do sell my house, I want a closing with no hassles, and I want for a family to live in my house. (Now that the kids are gone, I’m embarrassed to live in this house..... there should be at least fou...

Normchad

I had the same issue. The dealer explained it, they want to be sure your check is good. A credit pull doesn’t do that per se, but it can be an indicator that you’re a deadbeat or not. I have no problem with them doing it. But my credit is locked/frozen, and I didn’t know the password to open it up. ...

Normchad

No, not yet. I disagree that buying a C8 is “totally non-Boglehead.” First, the Corvette is an excellent value. Its direct competitors cost at least 2x the price. Second, the purpose of investing is to fund future consumption. Spend your money according to your priorities. You are 100% correct on a...

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