Bogleheads.org

Chan_va

Weird, I just tried logging on, and text's are coming through now to my Google voice number. Didn't make any changes.

Chan_va

[Thread merged into here, see below. --admin LadyGeek] Folks, I have used a Google Voice number to send my one time passcode for logging into Vanguard for a couple of years now. Starting a few weeks ago, I no longer receive codes sent to my Google voice number. Did Vanguard recently make a change t...

Chan_va

Thanks all for the perspectives. After a lot of thought, I have decided to pass on the membership. The buy in and initiation were too high to justify. That, and my wife and kids didn’t seem that into it, so it would be an indulgence just for me.

Chan_va

Thanks for the perspectives all. To answer some questions, yes there is an equity buy in and it’s pretty steep along with the initiation. The club is only 5 mins away from home though which makes it more likely that we will go there often. Went out and played a round there today. Fun course with gre...

Chan_va

I am considering joining a private golf club this summer. I addition to golf, It has swimming and tennis for the family. From a pure dollars and cents standpoint, it will never make sense. I can play really expensive public courses and come out ahead financially. Any perspectives from members of gol...

Chan_va

Not in the medical profession, but a quick tip on interviewing after a long time at your current job. The biggest thing to watch out for is coming across as entitled and complacent. Leaving the impression that the new place would be lucky to have you. It's natural to develop that armor in your curre...

Chan_va

Aero Press. Consistently great cup of coffee. 20ish bucks, 1 moving part, 5 second cleanup

Chan_va

Save the manuals! I switched to an automatic (funnily enough from a GTI manual) for the exact same reason that you are considering (for the rare occasion when my wife will have to drive my car). What I have found is that I miss driving a manual, and there has been only one occasion in the last year ...

Chan_va

Do you have Amazon Prime? If so, the easiest way to dip your toe into the water is to get an Echo device where you get the Amazon music streaming service for free. I have the new Echo Studio ($200), and it hits my point of indifference on the cost/music quality curve. I.e - I could spend more, but c...

Chan_va

Maybe its just past its bottom on the depreciation curve but the E60 M5 is a classic. Enough people are scared off by the rod bearing issues to make them affordable. The styling has aged well, and the engine is the last of its kind.

Chan_va

Taking a guess, its the radar/lidar sensors for adaptive cruise and other driving aids. Car manufacturers haven't figured out an aesthetically pleasing way to integrate that hard black plastic into the car fascia. Most stick it under the logo on the grill and it looks awful. This is a bit better.

Chan_va

+ 1 to the Portofino Bay and having express passes at busy times. Also look at pricing out the club option at Portofino, especially if traveling with kids. It is stocked with snacks and dishes all day. We used it enough to not have to eat out at all.

Chan_va

Thanks for starting the thread. Timely as I was thinking about getting the Amex Platinum. Any opinions from folks who have the Amex Platinum and Chase Sapphire Reserve? Any advantages to getting the Amex Platinum if you already have the CSR card? (I don't get the annual fee exemption OP has). As far...

Chan_va

As with most things in life, the truth is somewhere in the middle of the opposing points of view on this thread. (I am in one of the FAANGM companies, and manage 100's of software engineers on my team ranging from people right out of school to Principal Engineers and above). Few points - IT is not s...

Chan_va

The problem with investing theory is that we use the language and tools of hard science (stats and probability distributions) in a field that is anything but hard science. When you say "The probability of heads on a fair sided coin flip is 50%", or "The probability of the molecules of...

Chan_va

The other thing you have to do is sign up for an ssa account to generate a w-2 in January. Factor in the ssa and Medicare deductions too. And make it clear to them as to who pays the employer part and who pays the employee part.

Chan_va

Need more details. Age and number in your party? Interests? Ferry is a great idea, but probably not to Alki beach. Consider Bainbridge or Vashon. For food, head to the Ballard neighborhood for some Scandinavian bakeries. Tons of microbreweries if you are into beer.

Chan_va

Discount rate has nothing to do with your mortgage rate or the ROI you want. The basic question you are trying to answer is - "If my tenant gives me a $100 a year from now, how much should I value that today?" There are multiple factors that go into this - At a minimum, you should factor i...

Chan_va

It all depends on whether you have an autobot or a decepticon in your attic.

Chan_va

Consider a late model Kia Sedona. We love ours - it's tech and fit/finish are a cut above, plus they depreciate quickly. You should be able to pick up a 2016 with 30K miles for about 15K.

Chan_va

- Similar to a part of Nassim Taleb's portfolio but different because the rest of my portfolio I am invested in a reasonable equity/bond indexed portfolio (vs his which is ultra safe instruments like long term treasury bonds You lottery ticket philosophy doesn’t jive with the above. If you ‘hit the...

Chan_va

Maybe I'm confused, but the OP seems too focused on taxes when the real number that matters is total dollars. Selling a loser may mean you stay under certain income limits and can have access to that money in other pots, but what if you simply had all that money instead in an index fund that was a ...

Chan_va

What level are you at? Unless you are at a CXO level, you are overthinking this. The harsh truth is that people are expendable - you will be replaced at your current company and life goes on.

Chan_va

Late reply - Thanks for all the feedback and insight, guys. Lately, I've been looking more at new cars since all the used cars I keep looking at keep having accident histories that I keep finding out about :( (even the ones being sold at dealerships).. Would it be fiscally irresponsible to throw do...

Chan_va

Ok. I’ll take the bait. First off- I have been through 2 sickening bears since the late 90’s, so I am not completely green. Completely agree that single stocks, MLP’s, crypto, etc. are toxic and no one should be advocating them. Also completely agree that you need a portion of your assets in safe re...

Chan_va

nisiprius wrote: ↑Wed May 22, 2019 8:59 pm Opinion is polarized, and the situation is in such flux that I feel reluctance to gauss weber Tesla will survive Musk's having been oersted as chairman.

Well played sir.

Chan_va

OP, I just bought a 2009 335i with 60K miles off Craigslist for ~$9K. You should explore getting another e90/92 335i. I wouldn't go with the F30 generation of the 335i's - the steering feel and chassis is just not BMW like. If you want to up your game, you could get a e90/92 M3 for ~20k. But you wou...

Chan_va

I know you said coupe or roadster, but look at the E39 M5. Best Bmw made in my opinion and they have started to appreciate.

Chan_va

I recently bought a car off Craigslist, so some thoughts as a Craigslist buyer. If you do the things below, you will attract professional buyers who won't waste your time. Photos: take LOTS of them, all angles from the outside, interior, tires, etc. Take them in good light with a decent camera. Its ...

Chan_va

Here is what works best for me.

Burr grind locally roasted coffee. Grind about a 3 from a scale of 1-10. Aeropress (upright method) with water at 190 deg. Vigorous stir for 10 seconds, rest for 30 seconds, press. Dilute with additional hot water.

Chan_va

I have the Sapphire Reserve. The annual fee is $450 vs. $95 for the Preferred, but you get $300 back as travel credit. So, the effective cost is $150/yr, and you get Priority pass lounge access. I travel often enough to make that worthwhile for me. Plus, there are a number of other benefits too. htt...

Chan_va

Thanks OP. Will be following with interest. Since at the end of the day, portfolios are only a means to an end, a suggestion. Could you update the OP with your YTD ( and eventually 1,5 yr) returns and volatility of your portfolio and a benchmark? That way we can keep score with you ( and hopefully c...

Chan_va

Reporting to a peer can be upsetting and awkward for a bit but you soon get over it. You have two choices. If you decide that this is the time to look internally or externally, start that search. Or commit to your role if you like it. Either way, be 100% supportive of your new boss, and do all you c...

Chan_va

Check out Grand Velas in Los Cabos. Food is top notch. They have 4-5 really good restaurants on site - 2 to 3 cuts above your usual fare and one of them is Michelin rated. Only con is that while the beach is beautiful, it is not swim able due to rip tides.

Chan_va

Rest In Peace.

Chan_va

$75/mo for 1G fiber.

Chan_va

pdavi21 wrote: ↑Wed Dec 12, 2018 10:30 am Interesting thing about this question is the worst two answers are 0% and 100%.

OK I'll bite. I rent, so my answer is 0%. Why is 0% bad?

Chan_va

First off - Misfit seems to be an odd name for a wearable device :) Anyway - how would you even go about paying for a device that you already received? Wait for their response on the shipping return. If they don't respond, you have done your moral duty. If it were me, I would send them a reminder in...

Chan_va

Insurance/Maintenance is a decent % of total cost, so I don't think you can exclude that in your calculation. Also, have you factored in the lost opportunity cost of investing the down payment? You should factor 65k*x*3, where x is your assumed after tax return rate on the investment. Apart from tha...

Chan_va

Seems pretty simple. Every year, withdraw [Current portfolio]/[95-Current Age].

Chan_va

Phineas J. Whoopee wrote: ↑Wed Oct 03, 2018 2:33 pm * Which as far as I'm aware is the only commonly-used and -defined English-language word with three double letters in a row.

PJW

Sweet-tooth (ignore the hyphen)
Woollen (W= double u)

Chan_va

Ok folks, a bit of a shot in the dark. I am somewhat new to Seattle and looking to become a golf member at Sandpoint CC. I seem to vaguely recall that there are some bogleheads in the area and may be members there. If any of you are members at Sandpoint, and willing to meet up to chat, please PM me....

Chan_va

Is this a trick question? OP needs only 2 seats, and < 30k fun car. There is only one possible answer - a Miata

Chan_va

This is not just a Bay Area phenomenon. Lots of markets are cooling off significantly. Seattle for example is cooling off rather abrubtly. See the Redfin CEO's take . Lots of hypothesis as to why, but will be interesting to watch as to whether this is an overdue correction in a few overheated market...

Chan_va

I assume from your handle that you reside in Virginia. If so, you should be funding the 529 program through the VA 529 program to get the state tax benefit. Within that program, they have good low cost index fund options from Vanguard as well as active funds and age based portfolio's. The VA 529 pro...

Chan_va

The quality of the roast you will get from a stovetop popcorn maker will not be as good as a fresh roast from a small batch professional roaster. Do it for the fun of roasting (I did it for a year), but if you are looking to replicate a top notch roast, you will need much more expensive equipment. F...

Chan_va

Be careful - don't know how large your hold is and how much you are planning to hedge but if you have access to significant insider info and are hedging significant value you are opening yourself up to potential investigation if things do go sideways (there is a reason why many companies have polic...

Chan_va

Thanks folks- will check on whether the company allows hedges. Re: selling calls, from what I know - that doesn't protect you from large downside risk, correct? Lets say the stock is trading at $100 today, and you wanted to protect against the stock dropping below $70. Can you walk me through how se...

Chan_va

Let's assume that you work for a high flying FAANG type company where a substantial portion of your compensation is tied to RSU's (Restricted Stock Units). Assume that the RSU's will vest late in the year, and you want to lock in the current price now to hedge against a big drop between now and the ...

Chan_va

The right answer on any car thread is always - a Miata.

Fun, reliable, low cost, trackable..... ticks all your boxes.

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