Search found 3233 matches

by ClevrChico
Thu Mar 28, 2024 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Payment Options
Replies: 6
Views: 537

Re: Side Hustle Payment Options

I'd personally KISS and run a sole proprietorship and consider E&O insurance to cover liability. Understand tail risk and coverage in case you get sued after you've stopped your side hustle. (I didn't bother when I had low assets and was consulting for friends.)

I think LLC is often misused and misunderstood in tech consulting.
by ClevrChico
Wed Mar 27, 2024 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to report ESPP ordinary income (not reported in W2) in TurboTax 2023?
Replies: 10
Views: 923

Re: How to report ESPP ordinary income (not reported in W2) in TurboTax 2023?

Yep that makes sense. Didn't know about espp compensation income being discounted from social security and medicare, but that seems consistent with the fairmark article. I also found a fidelity document that would explain espp income and how its reported on the w2, and its consistent with what you've mentioned (basically applies to only box 1 i.e. federal, box 16 i.e. state if applicable and box 18 i.e. local if applicable. DOES NOT APPLY TO SOCIAL SECURITY OR MEDICARE BOXES). - https://workplaceservices.fidelity.com/bin-public/070_NB_SPS_Pages/documents/dcl/shared/StockPlanServices/SPS_TaxGuide_ESPP_QUAL.pdf I'll just have to double check on state and local and I should be good. However, filing it this way isn't in line with the IRS publi...
by ClevrChico
Wed Mar 27, 2024 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to report ESPP ordinary income (not reported in W2) in TurboTax 2023?
Replies: 10
Views: 923

Re: How to report ESPP ordinary income (not reported in W2) in TurboTax 2023?

"If the compensation income from your disqualifying disposition was included in the wages reported on Form W-2, simply report the number from your W-2 on your tax return the way you normally do. If it was not included on your W-2, add the ESPP compensation to the wages on your Form W-2 and report the total as wages on your tax return. Some people worry that they need to attach an explanation if the number for wages on Form 1040 doesn’t match the number on the attached Form W-2. That isn’t necessary here because the number you’re reporting is greater than the number on Form W-2." https://fairmark.com/compensation-stock-options/employee-stock-purchase-plans/disqualifying-disposition-reporting/ (This also works for ESPP qualifying d...
by ClevrChico
Wed Mar 27, 2024 10:42 am
Forum: Personal Consumer Issues
Topic: Dogs in a SUV: best way?
Replies: 19
Views: 997

Re: Dogs in a SUV: best way?

My favorite setup was to fold down the rear seats and use a create with a large dog. Fabric crates were nice as they were lightweight.
by ClevrChico
Tue Mar 26, 2024 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Another, buy house thread but this time with parents
Replies: 18
Views: 1486

Re: Another, buy house thread but this time with parents

mrmass wrote: Tue Mar 26, 2024 3:03 pm When I looked at this in MA, all the "in-law" apts were small. Definitely not multiple bedrooms with an office and large kitchen.


You need to look for a 2 Family/Duplex/Multi Family property and not a single family with an ADU/In-Law.
A Continuing Care Retirement Community (CCRC) might be a better choice for them and your relationships. Some have very spacious, modern town-homes.

Your parents may be planning that your partner and you will be providing long term care for them to "save the inheritance" if in a single family dwelling. That's hard to do if you're working and have children that you're already taking care of.
by ClevrChico
Tue Mar 26, 2024 6:41 am
Forum: Non-US Investing
Topic: Career break to maximise time with kids?
Replies: 43
Views: 3136

Re: Career break to maximise time with kids?

Uk_boglefan wrote: Tue Mar 26, 2024 6:08 am I am considering taking a very extended career break in order to be at home more while my kids are still young.
I don't know what field you're in, but is it possible to switch to working remotely?
by ClevrChico
Mon Mar 25, 2024 6:20 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy a big SUV
Replies: 42
Views: 3489

Re: To buy or not to buy a big SUV

If you own, do you encounter tight parking situations? If you have kids, large vehicles struggle during school drop-off and pick up.
by ClevrChico
Mon Mar 25, 2024 1:47 pm
Forum: Personal Investments
Topic: Those complimentary dinners for retirees by investment advisors
Replies: 137
Views: 10173

Re: Those complimentary dinners for retirees by investment advisors

These are professionals, so they might make you buy something. I interact with high pressures sales people at work, and they're very good at what they do. As someone mentioned, it's a common tactic for them to use fear. I've left a few meetings that took me a few hours to decompress. It's not worth a free meal to me.
by ClevrChico
Sat Mar 23, 2024 7:59 am
Forum: Personal Consumer Issues
Topic: Supermarket pizza - any good ones? Any great ones?
Replies: 174
Views: 16177

Re: Supermarket pizza - any good ones? Any great ones?

Scottyjj1 wrote: Fri Mar 22, 2024 12:03 pm totally agree about crazy expensive to eat out or delivery.

I feel like my dad- i remember when a movie was a dime---but, fast food lunch at 15$ and you dont remember what you ate by dinner time? the world is crazy
Same. Chinese takeout for lunch here averages $12/meal now. I remember when those were under $5. It's a different world.

Back to the topic, Bellatoria frozen pizzas have been on sale here for $4.50 at the grocery, which is a great value, and there's plenty for two people.
by ClevrChico
Thu Mar 21, 2024 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Simple things like writing a check, balancing a checkbook, depositing, withdrawing, interest. Teach a child... but how?
Replies: 39
Views: 2599

Re: Simple things like writing a check, balancing a checkbook, depositing, withdrawing, interest. Teach a child... but h

At age 13, they'll be able to open a Fidelity Youth Account, which is better than a normal bank account IMO. They can earn a good interest rate, have direct deposit for their jobs, billpay, atm, etc. Check-writing isn't available until they turn 18 and it converts to a standard brokerage account.

I like balancing my account with a spreadsheet, so that's easy enough to teach.
by ClevrChico
Tue Mar 19, 2024 6:00 am
Forum: Personal Finance (Not Investing)
Topic: The NAR settlement doesn't mean what you think what it means
Replies: 44
Views: 4310

Re: The NAR settlement doesn't mean what you think what it means

Every article that I've read in the New York Times and Wall Street Journal describes the changes as a win for consumers. That's all I need to know.
by ClevrChico
Tue Mar 19, 2024 5:50 am
Forum: Personal Finance (Not Investing)
Topic: How worthwhile is Zillow to estimate home value?
Replies: 58
Views: 5237

Re: How worthwhile is Zillow to estimate home value?

It's right on the money in my neighborhood. Many of the houses are identical and the condition is all good, so that may help its accuracy.
by ClevrChico
Tue Mar 19, 2024 5:49 am
Forum: Personal Finance (Not Investing)
Topic: How worthwhile is Zillow to estimate home value?
Replies: 58
Views: 5237

Re: How worthwhile is Zillow to estimate home value?

It's right on the money in my neighborhood. Many of the houses are identical and the condition is all good, so that may help its accuracy.
by ClevrChico
Sun Mar 17, 2024 8:58 am
Forum: Personal Consumer Issues
Topic: Wool slippers worth it?
Replies: 53
Views: 5415

Re: Wool slippers worth it?

I've found that wool slippers make my feet sweat excessively. I prefer a pair of "indoor only" athletic shoes since our house is all hard surfaces.
by ClevrChico
Sat Mar 16, 2024 8:40 am
Forum: Investing - Theory, News & General
Topic: Great news! No more [fixed real estate] agent commission
Replies: 238
Views: 22600

Re: Great news! No more agent commission

Ideally this will put pressure on the industry to become much more efficient. It seems crazy to me that such high fees are charged for sometimes so little work. Agents may appear to do “little work” but they have an array of expenses. Licensure fees, association fees, desk fees, continuing education, insurance, advertising and marketing costs, vehicle maintenance and fuel, and more. It can be a lot of work for little results at times. As others have stated, the part-timers and poor performers will certainly fall by the wayside, but more established agents may also follow suit. The industry will certainly change and the consequences may not become immediately apparent. All those expenses show how inefficient the industry is. I agree that mo...
by ClevrChico
Fri Mar 15, 2024 4:10 pm
Forum: Investing - Theory, News & General
Topic: Great news! No more [fixed real estate] agent commission
Replies: 238
Views: 22600

Re: Great news! No more agent commission

Ideally this will put pressure on the industry to become much more efficient. It seems crazy to me that such high fees are charged for sometimes so little work.
by ClevrChico
Fri Mar 15, 2024 7:19 am
Forum: Personal Investments
Topic: HCE/mega backdoor Roth risk?
Replies: 37
Views: 6710

Re: HCE/mega backdoor Roth risk?

Duplicate
by ClevrChico
Fri Mar 15, 2024 7:19 am
Forum: Personal Investments
Topic: HCE/mega backdoor Roth risk?
Replies: 37
Views: 6710

Re: HCE/mega backdoor Roth risk?

My 401k only dialed back my after-tax contribution percentage automatically as an HCE. I wasn't aware that returning money was possible. Maybe I'm lucky or maybe I'm just not that "highly compensated". :-)
by ClevrChico
Fri Mar 15, 2024 7:12 am
Forum: Personal Consumer Issues
Topic: Extra Low Mileage Drivers: How much do you spend on your car?
Replies: 54
Views: 5559

Re: Extra Low Mileage Drivers: How much do you spend on your car?

We're at similar numbers for each of our old cars, with depreciation, by doing our own maintenance and repairs. We've thought about downsizing to one car, but there are a few times per month that having both cars is extremely handy. Uber/Lyft service isn't reliable in our city.

We decided the extra ~$120/month/car is worth the luxury of convenience to keep them both. (But, opening up space in the garage would make me very happy. :-) ) I'm still waiting for the robo-taxis that make car ownership obsolete.
by ClevrChico
Thu Mar 14, 2024 10:48 am
Forum: Personal Finance (Not Investing)
Topic: How to report ESPP ordinary income (not reported in W2) in TurboTax 2023?
Replies: 10
Views: 923

Re: How to report ESPP ordinary income (not reported in W2) in TurboTax 2023?

"If the compensation income from your disqualifying disposition was included in the wages reported on Form W-2, simply report the number from your W-2 on your tax return the way you normally do. If it was not included on your W-2, add the ESPP compensation to the wages on your Form W-2 and report the total as wages on your tax return. Some people worry that they need to attach an explanation if the number for wages on Form 1040 doesn’t match the number on the attached Form W-2. That isn’t necessary here because the number you’re reporting is greater than the number on Form W-2." https://fairmark.com/compensation-stock-options/employee-stock-purchase-plans/disqualifying-disposition-reporting/ (This also works for ESPP qualifying d...
by ClevrChico
Thu Mar 14, 2024 6:49 am
Forum: Personal Finance (Not Investing)
Topic: How to report ESPP ordinary income (not reported in W2) in TurboTax 2023?
Replies: 10
Views: 923

Re: How to report ESPP ordinary income (not reported in W2) in TurboTax 2023?

"If the compensation income from your disqualifying disposition was included in the wages reported on Form W-2, simply report the number from your W-2 on your tax return the way you normally do. If it was not included on your W-2, add the ESPP compensation to the wages on your Form W-2 and report the total as wages on your tax return. Some people worry that they need to attach an explanation if the number for wages on Form 1040 doesn’t match the number on the attached Form W-2. That isn’t necessary here because the number you’re reporting is greater than the number on Form W-2." https://fairmark.com/compensation-stock-options/employee-stock-purchase-plans/disqualifying-disposition-reporting/ (This also works for ESPP qualifying di...
by ClevrChico
Wed Mar 13, 2024 6:51 am
Forum: Investing - Theory, News & General
Topic: CD and callability
Replies: 14
Views: 1277

Re: CD and callability

I wouldn't recommend buying callable cd's if you don't want them called. Half my JP Morgan cd's have been called recently.
by ClevrChico
Tue Mar 12, 2024 12:15 pm
Forum: Personal Investments
Topic: Deep Dive: Poor Tax Efficiency of Vanguard International Funds 2023
Replies: 41
Views: 6252

Re: Deep Dive: Poor Tax Efficiency of Vanguard International Funds 2023

>> QDI -> non-QDI dividend increases taxes by ~2X. >> >> At lower tax brackets, it moves from 15% for QDI to ~30-32% for non-QDI. Sorry I'm not following the math, could someone help? If your state taxes all dividends the same. And let's say you are in a very common 24% federal bracket, wouldn't you saving 'just' 24% - 15% = 9% on the qualified portion of dividends? This is minuscule even you assume half of the dividends are qualified and even if you don't take foreign tax into account? Isn't this just like 0.10% basis points of savings? And it is not even clear how to save these 10 basis points. Split and then maintain developed and emergent markets into tax advantaged? I'm not sure I follow it either. If one is in the 24% tax bracket, ha...
by ClevrChico
Sun Mar 10, 2024 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Lending $100k+ to friend's business abroad
Replies: 10
Views: 945

Re: Lending $100k+ to friend's business abroad

Even if they decline, your friendship will be changed. I do not recommend.
by ClevrChico
Fri Mar 08, 2024 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Promotion to the next level. How does it work?
Replies: 24
Views: 3075

Re: Promotion to the next level. How does it work?

Normchad wrote: Thu Mar 07, 2024 8:34 pm If you’re going to make director, they’ll call you first, not the other way around.
Other places might be different.
This has also been my experience too. For any kind of promotion or internal transfer, they will come to you. The chances of success doing it the other way have been 0%. The alternative is to job hop elsewhere.
by ClevrChico
Fri Mar 08, 2024 9:46 am
Forum: Personal Consumer Issues
Topic: IKEA Kitchen Cabinets
Replies: 14
Views: 1726

Re: IKEA Kitchen Cabinets

I've had mine about 17 years, and they still look great. A big plus is the high end hardware and soft-close features. They are far nicer than what you'll find in most other homes that have builder grade.
by ClevrChico
Fri Mar 08, 2024 8:07 am
Forum: Personal Consumer Issues
Topic: Drop Homeowner Ins- Self Insure
Replies: 63
Views: 4725

Re: Drop Homeowner Ins- Self Insure

Close proximity to a fire station may not save you. We had a new construction home in the neighborhood catch fire a year ago and burned to the ground relatively quickly. The heat from the fire also damaged the house next door. The fire loss house is still a lot of debris. I have a feeling they weren't insured given the lack of progress even on the cleanup.
by ClevrChico
Fri Mar 08, 2024 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Putting in two weeks notice same day as bonus payment
Replies: 25
Views: 2869

Re: Putting in two weeks notice same day as bonus payment

CaptainT wrote: Fri Mar 08, 2024 5:27 am I'd wait till the money is in my account even if means 1 week or 1.5 week notice
Good advice. Some companies truly treat a bonus as golden handcuffs. Others don't, and I've seen people lose it by not understanding the rules. The only way to know is to review the company policy on them.
by ClevrChico
Thu Mar 07, 2024 9:18 am
Forum: Personal Investments
Topic: ESPP Qualifying Disposition Calculation
Replies: 1
Views: 402

Re: ESPP Qualifying Disposition Calculation

I believe you're missing a number that you need to pull from form 3922.

"Exercise price per share
determined as if the
option was exercised on
the date shown in box 1.
(Box 8)"

The discount for a qualifying disposition requires two calculations and the lowest result to be used. See:

https://fairmark.com/compensation-stock ... reporting/
by ClevrChico
Mon Mar 04, 2024 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Financial coach as a side hustle?
Replies: 22
Views: 2287

Re: Financial coach as a side hustle?

Having a niche would help a lot. This blogger offers "early retirement lifestyle consulting" as their side hustle, for example:

https://rootofgood.com/early-retirement-consulting/
by ClevrChico
Sat Mar 02, 2024 8:35 am
Forum: Investing - Theory, News & General
Topic: [Webull 3% Offer]
Replies: 54
Views: 6128

Re: [Webull 3% Offer]

spacecadet610 wrote: Fri Mar 01, 2024 11:32 pm This is a ridiculous bonus.
I'd love to see the math behind them offering this huge bonus. Maybe they're hoping enough customers stay long-term to make it up on fees, float on sweep, and payment for order flow?
by ClevrChico
Sat Mar 02, 2024 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Complain About Bad Boss?
Replies: 56
Views: 5975

Re: Complain About Bad Boss?

Coltrane75 wrote: Fri Mar 01, 2024 1:22 pm In my 20+ years in my career, I've never gone over my boss's head to complain about them before. My MO has been to be low maintenance and keep my head down.
Keep doing this and don't complain. If it's getting to you, take a vacation. Or worst case, apply for another internal job at your employer or jump ship. But, but you may just be jumping into something worse.
by ClevrChico
Fri Mar 01, 2024 8:10 pm
Forum: Personal Investments
Topic: ESPP & being double taxed
Replies: 9
Views: 1738

Re: ESPP & being double taxed

I assume this is a qualified plan, otherwise that might change things.

Fairmark covers this very well in plain English:

https://fairmark.com/compensation-stock ... reporting/

"If the compensation income from your qualifying disposition was included in the wages reported on Form W-2, simply report the number from your W-2 on your tax return the way you normally do. If it was not included on your W-2, add the ESPP compensation to the wages on your Form W-2 and report the total as wages on your tax return."

I believe you'll need to calculate/add the discount "ordinary income" manually. Then, you'll need to adjust your basis of the tax lot.
by ClevrChico
Fri Mar 01, 2024 9:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces CEO Retirement and Appointment of President
Replies: 372
Views: 36439

Re: Vanguard Announces CEO Retirement and Appointment of President

I'm crossing my fingers that his replacement makes the website, app, and customer service world class. I'm crossing my fingers that the replacement will continue to keep Vanguard the low cost leader by realizing it's okay to skimp on the website, app, and customer service and pass the savings on to the owners, just like Bogle did. You can already get a great website, app, and customer service at Fidelity. Why are you at Vanguard if that's what you value most? Or did you want to have your cake and eat it too? I don't believe any of those asks require more money. A bad UX design isn't cheaper than a good UX design, for example. How does world class customer service not cost more money? You have to pay people better and hire more of them for ...
by ClevrChico
Fri Mar 01, 2024 9:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces CEO Retirement and Appointment of President
Replies: 372
Views: 36439

Re: Vanguard Announces CEO Retirement and Appointment of President

White Coat Investor wrote: Fri Mar 01, 2024 9:11 am
ClevrChico wrote: Thu Feb 29, 2024 3:50 pm I'm crossing my fingers that his replacement makes the website, app, and customer service world class.
I'm crossing my fingers that the replacement will continue to keep Vanguard the low cost leader by realizing it's okay to skimp on the website, app, and customer service and pass the savings on to the owners, just like Bogle did.

You can already get a great website, app, and customer service at Fidelity. Why are you at Vanguard if that's what you value most?

Or did you want to have your cake and eat it too?
I don't believe any of those asks require more money. A bad UX design isn't cheaper than a good UX design, for example.
by ClevrChico
Fri Mar 01, 2024 8:44 am
Forum: Personal Consumer Issues
Topic: Flea Remedies That Have Worked for You?
Replies: 40
Views: 3366

Re: Flea Remedies That Have Worked for You?

One natural way is to keep the grass short. If they roam outside your yard, it may not help much.
by ClevrChico
Thu Feb 29, 2024 9:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces CEO Retirement and Appointment of President
Replies: 372
Views: 36439

Re: Vanguard Announces CEO Retirement and Appointment of President

Silence Dogood wrote: Thu Feb 29, 2024 7:29 pm Let's hope that the next CEO is a Boglehead...

Bring back the Vanguard ship logo!
If you want to see something wild from the year 2000, Vanguard.com had the ship logo and free TurboTax for simply having an online account:

https://web.archive.org/web/20000408024 ... guard.com/
by ClevrChico
Thu Feb 29, 2024 5:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces CEO Retirement and Appointment of President
Replies: 372
Views: 36439

Re: Vanguard Announces CEO Retirement and Appointment of President

I'm crossing my fingers that his replacement makes the website, app, and customer service world class. I'm sure they won't and can't from a business perspective. They will likely continue to be be low cost which is the course Mr. Bogle set Vanguard on when it was founded. Vanguard aspires to being low cost asset managers; they do not aspire to be a no-cost full feature brokerage. They know they cannot compete in the business of no-cost full feature brokerages, and I think they are comfortable ceding that space to Fidelity, Schwab, and others. I don't think lack of money is the cause of our gripes with Vanguard. I'm sure Vanguard spent a fortune on the (horrible imo) giant font website redesign. They're lacking execution, vision, or somethi...
by ClevrChico
Thu Feb 29, 2024 3:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces CEO Retirement and Appointment of President
Replies: 372
Views: 36439

Re: Vanguard Announces CEO Retirement and Appointment of President

I'm crossing my fingers that his replacement makes the website, app, and customer service world class.
by ClevrChico
Wed Feb 28, 2024 7:04 am
Forum: Personal Consumer Issues
Topic: SNOW blower Toro Vs Arien (24")
Replies: 21
Views: 2112

Re: SNOW blower Toro Vs Arien (24")

My vote would be Ariens since snowblowers are their specialty. My Ariens turns 50 years old this year.
by ClevrChico
Tue Feb 27, 2024 5:44 am
Forum: Investing - Theory, News & General
Topic: Dot.Com Era/AI Era?
Replies: 311
Views: 29805

Re: Dot.Com Era/AI Era?

LaurenRose wrote: Mon Feb 26, 2024 1:09 pm I remember hearing this....in the late 90s up to 2000 +, so I feel like I've seen this movie before.
We're likely in the climb phase of the hype cycle for AI:

https://en.wikipedia.org/wiki/Gartner_hype_cycle

The same thing happened in the Dot.Com era. I still use quite a few services that were around in that era like EBay and Amazon. As others mentioned, Cisco also survived. Many companies did not.
by ClevrChico
Sun Feb 25, 2024 10:09 am
Forum: Personal Finance (Not Investing)
Topic: High Salary (>$500,000) careers
Replies: 244
Views: 29140

Re: High Salary (>$500,000) careers

I am a software engineer and I do not make anywhere near $500K. I think these higher salary are only true if you work for one of the FAANG type firms or you have some sort of highly desired specialization. I am not saying this type of salary is not possible, but that you should temper your expectation. I don't want someone to go into software engineering thinking that $500K is common place compare to say someone in the medical profession. Agree. The BLS 90% percentile wage for software developers is $198k which is what I see at a normal company for senior people. The one person I know working at a FAANG is in the $300k's after they completed grad school. I have no doubt they'll cross $500k in a few years, but it took a lot of hard work, sc...
by ClevrChico
Sat Feb 24, 2024 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Laundromat and Carwash
Replies: 30
Views: 3457

Re: Laundromat and Carwash

For laundromat info, a good starter would be checking out Keenan's ownership experience (https://www.youtube.com/channel/UCu_cmg ... WEV8abe-GQ). He has to do a surprising amount of maintenance, on top of vandalism, theft, and homeless problems.

The local pay and spray car wash was replaced by a fancy, subscription based auto wash. The only time I see it busy is when they offer free washes to sell subscriptions. It seems like a tough business.

I'd much rather keep my day job and go the index fund route. Car washes and laundromats seem to target naive entrepreneurs.
by ClevrChico
Sat Feb 24, 2024 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do your intra-company yearly raises keep with inflation?
Replies: 60
Views: 6335

Re: Do your intra-company yearly raises keep with inflation?

Yes, my F500 employer comp increases have exceeded inflation over the last ten years. When I worked at smaller companies, it was more common to have under inflation raises or not even get a raise.
by ClevrChico
Fri Feb 23, 2024 5:32 pm
Forum: Personal Investments
Topic: 50% of my portfolio in FANG - 15% in NVDA
Replies: 90
Views: 16407

Re: 50% of my portfolio in FANG - 15% in NVDA

investorpeter wrote: Fri Feb 23, 2024 4:59 pm Lol, we need an update from OP. Looks like he hasn’t posted since 2018. He must be too busy relaxing on his private island.

I love the post in this thread asking in 2018 “What’s the next NVDA”? I wish I had the foresight back then to reply that NVDA would be the next NVDA.
LOL, I didn't realize this was from 2018! We do need an update!
by ClevrChico
Thu Feb 22, 2024 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Career advice: stay put and take large pay cut to keep lifestyle?
Replies: 22
Views: 1699

Re: Career advice: stay put and take large pay cut to keep lifestyle?

Stay put until an offer with the comp and wlb you desire comes along. WLB is worth a lot to me.
by ClevrChico
Wed Feb 21, 2024 3:11 pm
Forum: Investing - Theory, News & General
Topic: If you hate paying taxes, you'll love learning about them. Episode 67, "Bogleheads on Investing" guest, Kaye Thomas.
Replies: 26
Views: 5231

Re: If you hate paying taxes, you'll love learning about them. Episode 67, "Bogleheads on Investing" guest, Kaye Thomas.

Great podcast! I had no idea Fairmark.com was the work of one person. That site is invaluable for stock compensation and taxes.
by ClevrChico
Tue Feb 20, 2024 7:54 am
Forum: Personal Consumer Issues
Topic: Do you use a second refrigerator/freezer?
Replies: 74
Views: 4800

Re: Do you use a second refrigerator/freezer?

With kids, our basement deep freeze is one of our most useful appliances. During Covid, it was especially handy to stock up on infrequent grocery orders.
by ClevrChico
Mon Feb 19, 2024 10:51 am
Forum: Personal Consumer Issues
Topic: Older, clean title vehicle or newer rebuilt vehicle?
Replies: 26
Views: 2451

Re: Older, clean title vehicle or newer rebuilt vehicle?

I accidentally bought a salvaged car with a laundered title. While it was an okay, reliable daily driver for a student, there were things with that car that were never right and not practical to get right. (Like a windshield that would drip on your lap during rain.)

I'd recommend avoiding a salvage car.
by ClevrChico
Sun Feb 18, 2024 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Handling Potential Job Offer Negotiation
Replies: 30
Views: 3654

Re: Handling Potential Job Offer Negotiation

If a recruiter puts me on the spot to name a number, I usually tell them that I'm interested in "market rate". That is safer than going too high and blowing up a potential offer.