Search found 1990 matches

by ClevrChico
Mon Apr 12, 2021 10:55 am
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 56
Views: 4564

Re: The Great Swing Set Dilemma

My experience is also that the kids will get bored of this quickly. Save you money and don't buy one. We have got a ton of use out of having a fenced in backyard and various garage sale sports equipment and outdoor toys. Also, take them to area parks. Ours are all a little bit different to keep thin...
by ClevrChico
Wed Apr 07, 2021 10:59 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 275
Views: 19695

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

There are amazing cars on the market now, but they cost a chunk of money too. We'll continue to keep our daily beaters.

- Spouses car - Bought used in 2006 for $12k, still using it.
- My car - Bought new with Cash for Clunkers rebate in 2009. $12k (for a new car!) and still using it.
by ClevrChico
Wed Apr 07, 2021 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Tax bill split between spouses
Replies: 81
Views: 4272

Re: Tax bill split between spouses

I use "Excel 1040" to calculate the individual tax: https://sites.google.com/view/incometaxspreadsheet/home I input each spouse as married file separately and divide credits and deductions 50/50 to apportion each spouse's tax. (Excel 1040 has a nice override option to force it to this.) It...
by ClevrChico
Mon Apr 05, 2021 1:43 pm
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 65
Views: 5170

Re: Best nonstick pans?

All non-stick is a disposable item, but they should be good for at least a decade, even with some abuse. Decade? My typical replacement cycle is 3 months to 3 years, but I'm buying the cheap Costco T-fal. I guess I was fortunate, then. This was bought in China and brought back in a suitcase. I'm no...
by ClevrChico
Sun Apr 04, 2021 9:05 am
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 65
Views: 5170

Re: Best nonstick pans?

We bought a "The Rock" set from Target recently (And signed up for a Red Card for a $50 coupon.) https://www.starfrit.com/en/the-rock So far I'm very impressed, and it's transformed our cooking. Good cookware can make a huge difference. I bought a set where every pan has its own lid too. (...
by ClevrChico
Sun Apr 04, 2021 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Job Dilemma
Replies: 64
Views: 6439

Re: Job Dilemma

#1 - This sounds like a dream.

#2 - Sounds like a nightmare. Life gets miserable with 60 hour weeks long-term. Miserable enough to impact one's health. Definitely a hard pass, unless you've done this before and enjoyed it.

#3 - Not enough of a pay bump to risk a job change.
by ClevrChico
Wed Mar 31, 2021 8:54 am
Forum: Personal Investments
Topic: Employer 401K Losing Out of Matched Money
Replies: 39
Views: 2401

Re: Employer 401K Screwing Me Out of Matched Money

It's a good lesson learned, I guess. Small potatoes in the grand scheme of things. At least you caught it early?
by ClevrChico
Wed Mar 31, 2021 7:55 am
Forum: Investing - Theory, News & General
Topic: Are Hedge funds basically scams?
Replies: 72
Views: 8064

Re: Are Hedge funds basically scams?

The small funds I'm familiar with were mostly funded with the fund manager's own money, along with money from other family members and rich friends. While not a scam (they'd mostly be scamming themselves), I think it was mostly done for ego, and as a way to give their privileged kids a job at one's ...
by ClevrChico
Tue Mar 30, 2021 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice
Replies: 12
Views: 1399

Re: Career Advice

You made the right choice. Your kids will grow up in a flash, so now is the time to spend with them. $150k with good WLB is a sweet spot for employment.
by ClevrChico
Mon Mar 29, 2021 6:56 am
Forum: Personal Investments
Topic: Paper check for 401k rollover
Replies: 21
Views: 1145

Re: Paper check for 401k rollover

I've always had to use a paper check for rollovers, as that is what my 401k's required. There was no other option, even in 2020. My recommendation would be to use Fedex or USPS Express Mail to minimize time out of market. If the 401k is with a major brokerage, you can possibly go directly from 401k ...
by ClevrChico
Thu Mar 25, 2021 9:25 am
Forum: Personal Investments
Topic: Transferring entire 500k taxable account to Bitcoin?
Replies: 169
Views: 9708

Re: Transferring entire 500k taxable account to Bitcoin?

I work too hard for my money to gamble $100, let alone my entire portfolio. Stay the course, my friend.
by ClevrChico
Wed Mar 24, 2021 10:10 am
Forum: Personal Consumer Issues
Topic: benefit of vaccination with kids at home
Replies: 26
Views: 1575

Re: benefit of vaccination with kids at home

The adults in our house will soon be fully vaccinated. With the kids not being vaccinated, we will limit our interactions with only vaccinated friends/family for now.

Things could change in the near future too. If cases continue dropping we may be back to normal.
by ClevrChico
Wed Mar 24, 2021 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 420
Views: 51398

Re: Tales from this insane real estate market

We once bought a house in this type of market and it didn't appreciate at all for 10 years. The value actually fell for several years during that decade. I would sit out the market and rent for a year or two. I had a similar experience buying in early 2007. I had tired of my apartment and landlord,...
by ClevrChico
Sun Mar 21, 2021 1:08 pm
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15257

Re: What do most people do with a 401K upon retirement if they dont need it?

Rolling over to an IRA likely involves snail mailing a check around, which means time out of market. If the market moves during this time with a seven figure portfolio, it could cost you thousands. I plan to leave it in the 401k. If your 401k is administered directly by one of the larger brokerages...
by ClevrChico
Sun Mar 21, 2021 11:05 am
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15257

Re: What do most people do with a 401K upon retirement if they dont need it?

Rolling over to an IRA likely involves snail mailing a check around, which means time out of market. If the market moves during this time with a seven figure portfolio, it could cost you thousands.

I plan to leave it in the 401k.
by ClevrChico
Sat Mar 20, 2021 1:39 pm
Forum: Personal Consumer Issues
Topic: People with Covid-19 vaccination record cards: where are you keeping them?
Replies: 163
Views: 13961

Re: People with Covid-19 vaccination record cards: where are you keeping them?

The physical card went into my "important document" box. I uploaded the detailed "electronic health record" pdf into Google Drive.
by ClevrChico
Thu Mar 18, 2021 9:16 am
Forum: Personal Consumer Issues
Topic: Selling rare/expensive beanie babies
Replies: 56
Views: 5984

Re: Selling rare/expensive beanie babies

My aunt and mother collected beanie babies. My mother could afford it so it was a hobby. The beanie babies were my aunt's "retirement plan". Within 2 years I had to clean out my parent's and my aunt's houses from their passing. I bet there were 1,000 or more beanie babies - it was RIDICUL...
by ClevrChico
Wed Mar 17, 2021 12:44 pm
Forum: Personal Consumer Issues
Topic: What did you successfully downshift to?
Replies: 65
Views: 7426

Re: What did you successfully downshift to?

I transferred to a non-operations role at the same company. No more after hours/weekend change management. No on call. No putting out other people's fires. No drama or politics. Work life balance is so much better and pay is similar. I'm sitting on a FIRE fund that I won't be using in the near futu...
by ClevrChico
Wed Mar 17, 2021 12:27 pm
Forum: Personal Consumer Issues
Topic: Selling rare/expensive beanie babies
Replies: 56
Views: 5984

Re: Selling rare/expensive beanie babies

hnd wrote: Wed Mar 17, 2021 12:01 pm sold listings are VERY often manipulated in a ton of ways. single bid items sold by 0 feedback people bought by 0 feedback accounts.

there are plenty of groups on FB you might join and research through.
I agree, and the high priced BB Ebay auctions all appear to be shams.
by ClevrChico
Wed Mar 17, 2021 10:06 am
Forum: Personal Consumer Issues
Topic: Selling rare/expensive beanie babies
Replies: 56
Views: 5984

Re: Selling rare/expensive beanie babies

A family friend approached me with a similar situation, since they knew I ebayed. The beanie baby they told me was worth $20k+ sells for $10. The article they quoted was pure click bait and fake. There are sham ebay auctions that show super high prices, but they aren't real, and get taken down by Eb...
by ClevrChico
Wed Mar 17, 2021 9:57 am
Forum: Personal Consumer Issues
Topic: What did you successfully downshift to?
Replies: 65
Views: 7426

Re: What did you successfully downshift to?

I transferred to a non-operations role at the same company. No more after hours/weekend change management. No on call. No putting out other people's fires. No drama or politics. Work life balance is so much better and pay is similar. I'm sitting on a FIRE fund that I won't be using in the near futur...
by ClevrChico
Wed Mar 17, 2021 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Retire in early 40s?
Replies: 53
Views: 7881

Re: Retire in early 40s?

Firecalc reports either scenario having a 100% success rate. :sharebeer

(Kids and HCOL house would make it tough, but you've avoided those money pits.)
by ClevrChico
Mon Mar 15, 2021 2:26 pm
Forum: Personal Investments
Topic: M1 Finance Rebalancing
Replies: 10
Views: 736

Re: M1 Finance Rebalancing

This is why I stick to credit card bonuses. 3K+ CC bonuses are exceedingly rare (unless you assign a very high value to UR or MR points, and even then it's only Amex Platinum or Chase Reserve who may occasionally offer around 100K+ points). True, but a CC isn't going to sell order flow from my brok...
by ClevrChico
Mon Mar 15, 2021 2:12 pm
Forum: Personal Investments
Topic: M1 Finance Rebalancing
Replies: 10
Views: 736

Re: M1 Finance Rebalancing

This is why I stick to credit card bonuses.
by ClevrChico
Mon Mar 15, 2021 6:45 am
Forum: Personal Finance (Not Investing)
Topic: High earners, about how much tax do you pay?
Replies: 79
Views: 9370

Re: High earners, about how much tax do you pay?

Effective federal rate of 13% if I add back in deductions for 401k and HSA to income. I'm surprised our tax bill was that small.

We're two W2 employees maxing out our 401k, HSA, -$3k/year from tax loss harvesting, and -$1k from foreign tax credit. (Every little bit helps.)
by ClevrChico
Sun Mar 14, 2021 9:57 pm
Forum: Personal Consumer Issues
Topic: Best fencing for a dog
Replies: 53
Views: 4762

Re: Best fencing for a dog

I love our chain link fence. It's at least 50 years old, virtually maintenance free, and has kept the kids/dog safe and contained.
by ClevrChico
Sun Mar 14, 2021 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: ESSP selling strategy - BH way?
Replies: 32
Views: 2051

Re: ESSP selling strategy - BH way?

My plan is to hold until two years from the offering date to receive the tax advantage. It's a Megacorp with a 100 year history and I'm a long term employee, so I feel the risk is pretty small. For my plan, the 15% purchase discount plus buying at the average stock price of the offering period makes...
by ClevrChico
Sat Mar 13, 2021 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Going rates for consultants
Replies: 8
Views: 1490

Re: Going rates for consultants

For tech work, a common calculation would be $200k/year = $200/hour X 8 hours = $1,600/day

Startups can be very generous or very frugal when it comes to consulting pay. Good luck!
by ClevrChico
Fri Mar 12, 2021 8:14 am
Forum: Investing - Theory, News & General
Topic: Does it feel bubbly to you?
Replies: 214
Views: 15660

Re: Does it feel bubbly to you?

Probably, but I think the stimulus and improving covid situation are going to keep things strong for a while. I already see people buying cars after the stimulus news, and I think the post-covid party is just getting started. :shock:
by ClevrChico
Thu Mar 11, 2021 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy cliff now going away! Yay!
Replies: 155
Views: 17589

Re: ACA subsidy cliff now going away! Yay!

ronno2018 wrote: Sat Mar 06, 2021 8:53 pm This should really help early retirees I think.

https://jabberwocking.com/the-first-big ... ming-soon/
Very much so!
by ClevrChico
Tue Mar 09, 2021 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Internal salary negotiation with significantly appreciated RSUs
Replies: 47
Views: 4335

Re: Internal salary negotiation with significantly appreciated RSUs

Tracker968 wrote: Tue Mar 09, 2021 9:22 am Wow, all I can say is that sure makes my midwest engineering salary seem like a pitance.
I'm in the same club. :sharebeer (What an RSU???) Hopefully, remote work offers better opportunities. If not, I'll just enjoy the cheap living and easy life here.
by ClevrChico
Tue Mar 09, 2021 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Credit Card: [Update on Experiences, drops two benefits]
Replies: 167
Views: 12492

Re: Fidelity credit card removing CDW

Thankfully, Amex still does. (At least on the card I have.)
by ClevrChico
Mon Mar 08, 2021 9:38 am
Forum: Personal Consumer Issues
Topic: What are your alternatives to big name brands, like Amazon?
Replies: 72
Views: 4977

Re: What are your alternatives to big name brands, like Amazon?

When you use Ebay, you're likely buying from a bunch of small sellers operating out of their garage or basement. I barely use Amazon these days.

Etsy has been great too.
by ClevrChico
Mon Mar 08, 2021 9:24 am
Forum: Personal Consumer Issues
Topic: Non-fungible tokens (NFTs): anyone investing in those?
Replies: 246
Views: 17359

Re: Non-fungible tokens (NFTs): anyone investing in those?

If someone wanted proof we're living in a simulation, here you go.
by ClevrChico
Sun Mar 07, 2021 9:37 am
Forum: Personal Consumer Issues
Topic: Becoming a Plumber
Replies: 72
Views: 7144

Re: Becoming a Plumber

Steve Lav has a great YouTube channel on being a professional plumber:

https://www.youtube.com/watch?v=MIVEeo8XRw0

Most are howto videos, but there are business related and training videos in there.
by ClevrChico
Sun Mar 07, 2021 9:24 am
Forum: Personal Consumer Issues
Topic: I need a trickle car battery charger for garage queen...
Replies: 84
Views: 5116

Re: I need a trickle car battery charger for garage queen...

I'm having the same issue due to the WFH lifestyle these days. I went with: https://www.batteryminders.com/ because: - Ability to desulfate bad batteries. - Some models have a 10 year warranty. - Temperature compensation. - Used in general aviation too, so definitely one of the higher quality brands...
by ClevrChico
Sun Mar 07, 2021 8:16 am
Forum: Personal Finance (Not Investing)
Topic: So what kind of raise did you guys get for 2021?
Replies: 222
Views: 16886

Re: So what kind of raise did you guys get for 2021?

I was expecting a great year, but they turned out to be frozen, so 0%. Ooof
by ClevrChico
Sun Mar 07, 2021 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Career in sales
Replies: 36
Views: 2345

Re: Career in sales

The good sales people in tech seem to be making about twice what us lowly engineers are making. :happy Saas/Software sales seem to do great, although there is typically a travel/road warrior component. Maybe this will change after covid? I'd avoid technical recruiting in the technology space as far ...
by ClevrChico
Thu Mar 04, 2021 1:30 pm
Forum: Personal Investments
Topic: Some advice for a young gun
Replies: 20
Views: 1053

Re: Some advice for a young gun

I would focus on paying off the car and contributing to the 401k as much as possible. I'd wait on the house until kids enter the picture and get close to school age. (Then you can choose the school district.) Companies going to remote work could make things much more location flexible. If I was savi...
by ClevrChico
Thu Mar 04, 2021 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: E-filing form 1116 [FreeTaxUSA]
Replies: 122
Views: 9877

Re: E-filing form 1116 [FreeTaxUSA]

From FreeTaxUSA support: Support - 03/04/2021 9:15 AM MST Hello, Good news! We've implemented the workaround the IRS gave us for the required country on Form 1116, and you can now e-file your tax return. Thank you again for your patience and for helping bring this issue to our attention. Feel free ...
by ClevrChico
Tue Mar 02, 2021 8:21 pm
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 7605

Re: Help! Dealer may have sold the car we are buying

A car is just a car. I'd move on if a dealer tried this.
by ClevrChico
Tue Mar 02, 2021 8:15 pm
Forum: Investing - Theory, News & General
Topic: How crazy is it to hold 100% equities until retirement? (ERN)
Replies: 540
Views: 21856

Re: How crazy is it to hold 100% equities until retirement? (ERN)

I think most people will have a hard time stomaching 100% equities when things go bad. It's much easier to sleep with some bonds.
by ClevrChico
Tue Mar 02, 2021 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Career Change? (Mech Engr to Software)
Replies: 24
Views: 1415

Re: Career Change? (Mech Engr to Software)

Self study and do an internal transfer at your company. I'm guessing your comp wouldn't even take a hit. I would only do this if you plan keep working for a while. The first couple of years probably won't be fun, unless you like this kind of thing. (I personally hate the first year into a new job, a...
by ClevrChico
Sun Feb 28, 2021 9:13 am
Forum: Investing - Theory, News & General
Topic: Were You Around During Dotcom Bubble?
Replies: 266
Views: 20663

Re: Were You Around During Dotcom Bubble?

Speculating and buying domain names was an investment strategy too. I knew several people doing it and almost fomo'd into it myself, but thankfully changed my mind. It was still big for several years even after the .com bubble burst. https://en.wikipedia.org/wiki/Domain_name_speculation I haven't he...
by ClevrChico
Sat Feb 27, 2021 7:57 pm
Forum: Personal Investments
Topic: How to pay for dividend taxes when retired?
Replies: 14
Views: 1284

Re: How to pay for dividend taxes when retired?

Mark the due dates for estimated taxes on your calendar and sign up for an account on https://www.eftps.gov/eftps/ for easy, electronics payments. (EFTPS also allows you to schedule automatic future payments too.)
by ClevrChico
Fri Feb 26, 2021 10:43 am
Forum: Personal Consumer Issues
Topic: Tiling a Shower
Replies: 44
Views: 3463

Re: Tiling a Shower

We were planning on tiling a shower. My experience was the tile people would only lay tile and had no subcontractor resources. We were on our own for finding someone to remove the old enclosure and any wall prep/repair. (And I'm pretty sure success of the project is how the prep is done.) Instead, I...
by ClevrChico
Fri Feb 26, 2021 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Going into business with family
Replies: 113
Views: 5931

Re: Going into business with family

Posting out of curiosity for your update I wouldn't do the meeting. I don't like this vague tell-you-later stuff. It reminds me of scams like being pitched on multi level marketing. That is immediately what I thought of....Nutrilife, Mary Kay, Rodan+Fields, Longberger Baskets, ad nauseam. It certai...
by ClevrChico
Wed Feb 24, 2021 12:29 pm
Forum: Personal Consumer Issues
Topic: In-person vs. remote school choice (question NOT related to health risks)
Replies: 7
Views: 530

Re: In-person vs. remote school choice (question NOT related to health risks)

We are 100% remote and everyone is doing well. One child prefers it, another would rather be in school. There are daily opportunities for virtual social interaction and gaming with their classmates. We also keep everyone entertained with lots of family time. I expect things to get back to normal in ...
by ClevrChico
Wed Feb 24, 2021 10:07 am
Forum: Personal Consumer Issues
Topic: Thoughts or suggestions: upgrading from Honda Fit for DW's comfort on long road trips...
Replies: 40
Views: 1960

Re: Thoughts or suggestions: upgrading from Honda Fit for DW's comfort on long road trips...

OP, Can you rent something more comfortable for the next trip? You get to keep the Fit for all your local driving but have something more comfortable for the longer trip. Plus if the rental isn't comfortable enough, you don't own it. Try a different vehicle next time. Best, Bear Solid idea. I love ...
by ClevrChico
Wed Feb 24, 2021 10:04 am
Forum: Personal Consumer Issues
Topic: Computer memory lane
Replies: 43
Views: 1517

Re: Computer memory lane

As crazy expensive as they were at the time, they offered a huge ROI if one could leverage PC skills into a tech job.