Search found 913 matches

by knightrider
Mon Apr 19, 2021 9:50 am
Forum: Personal Finance (Not Investing)
Topic: how to make an unsolicited offer to buy
Replies: 8
Views: 613

Re: how to make an unsolicited offer to buy

I would try something a little more personal so it doesn't look like "realtor spam".. And be prepared for 90% of them to ignore it or show no interest unless you are offering way above market rate. I would offer double market rate if you are serious about buying them now..
by knightrider
Tue Apr 13, 2021 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: I just became a victim of identity theft - What to do now?
Replies: 20
Views: 1782

Re: I just became a victim of identity theft - What to do now?

Frankly, the call from the dept store sounds like a phishing call. Why would a major dept store have your phone number? What questions did they ask of you and what information did you give them? I'd be very suspicious if I got a phone call like you describe. I agree. No store is going to call to pe...
by knightrider
Tue Apr 13, 2021 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Not sure how to answer this tax software question relating to 401k rollover
Replies: 2
Views: 244

Not sure how to answer this tax software question relating to 401k rollover

In 2020 I rolled over all my 401k from my previous megacorp employer to my current megacorp employer. My tax software is asking the question below. I assume what I checked is correct since both plans are 401k? I've learned never to assume anything when it comes to the complexity of 401k and IRAs! ht...
by knightrider
Tue Mar 30, 2021 11:37 am
Forum: Personal Consumer Issues
Topic: How to fix leaky/drafty sliding patio door window?
Replies: 5
Views: 486

How to fix leaky/drafty sliding patio door window?

I use shipping tape to tape over all four edges of the entire window. See the picture below and look for the tape along the edges. It works but is a little unsightly and impractical as I can not open the sliding door . Is such a window repairable or do I need to replace the whole thing? https://i.ib...
by knightrider
Sat Mar 27, 2021 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Valuing web business for net worth purposes
Replies: 28
Views: 1473

Re: Valuing web business for net worth purposes

Most businesses are worth nothing because they are selling a job. Nobody is going to buy a job. Very very few businesses are turn-key operations that take no training and daily commitment to run.
by knightrider
Wed Mar 17, 2021 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy; Anyone actually made a claim?
Replies: 211
Views: 16059

Re: Umbrella Policy; Anyone actually made a claim?

Ever hear of Pascal's wager? The reason you would elect to pay the $20k in lifetime insurance premiums is to prevent the possibility of a catastrophic loss. That is what insurance is for. You cite the 0.0001% chance of paying 20k to a lawyer, but not the comparable chance of losing everything. The ...
by knightrider
Fri Mar 05, 2021 3:08 pm
Forum: Personal Consumer Issues
Topic: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?
Replies: 77
Views: 3852

Re: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?

lthenderson wrote: Fri Mar 05, 2021 3:03 pm Where is the car parked? Do rodents like ground squirrels or mice have access to it? Where I live if you leave a vehicle outside stationary for more than a day, you will find all manner of acorns and debris in the engine compartment nooks and crannies.
It is parked in a garage.
by knightrider
Fri Mar 05, 2021 3:05 pm
Forum: Personal Consumer Issues
Topic: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?
Replies: 77
Views: 3852

Re: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?

Doom&Gloom wrote: Fri Mar 05, 2021 2:53 pm Probably not unless you live on a dirt road or you somehow missed a lot of debris.
No dirt roads . Fairly mundane typical suburban driving..

I guess what should we do now? Raise a stink with them? Let it go and chalk it up to lessons learned? Or leave some bad review online?
by knightrider
Fri Mar 05, 2021 2:37 pm
Forum: Personal Consumer Issues
Topic: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?
Replies: 77
Views: 3852

Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?

I replaced both cabin and air filter myself a few months ago. Today my spouse took the car for an oil change and they went ahead and changed the cabin and air filter. They claimed they were really dirty and full of acorns. Ended up costing an extra $100. I feel there is no way the filters could be t...
by knightrider
Thu Mar 04, 2021 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Urgent Care bill - does this seem high?
Replies: 44
Views: 2505

Re: Urgent Care bill - does this seem high?

I have a high deductible insurance plan. I just got a bill (not itemized or anything) showing that that cost of the visit was $449, and after insurance adjustments of $220 and my $75 payment, I still owe $154. Does this seem reasonable, or high? I get annoyed too when I see gimicky pricing like $44...
by knightrider
Fri Feb 26, 2021 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy; Anyone actually made a claim?
Replies: 211
Views: 16059

Re: Umbrella Policy; Anyone actually made a claim?

I have the opposite. Multimillionaire friend who didn’t have umbrella, who got into a car accident and got sued for $2m. Car insurance company was perfectly willing to go to court and risk the entire $2m, because they were only on the hook for $100k. Friend had to hire and pay their own lawyer $20k...
by knightrider
Fri Feb 19, 2021 4:13 pm
Forum: Personal Investments
Topic: Alternative to calling Fidelity for matching a promotion? ( long hold times )
Replies: 2
Views: 244

Alternative to calling Fidelity for matching a promotion? ( long hold times )

I have $400k to invest and want to see if Fidelity will give me any bonus for investing with them. I have tried calling them three times in past few weeks . Each time I just get put on hold for 30+ minutes before I give up. The number I am using is 1 800 343 3548 . I tried sending them a secure mess...
by knightrider
Thu Feb 11, 2021 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Would like to fire contractor and ask for excess paid money back - Any unforeseen issues?
Replies: 53
Views: 5491

Re: Would like to fire contractor and ask for excess paid money back - Any unforeseen issues?

scorp_pccorp wrote: Wed Feb 10, 2021 1:39 pm On top of all this, the guy says he fell in our house and is now asking for our homeowners insurance info.
He's playing hardball with you because he senses that's what you are doing. My two cents is drop this whole thing and just leave some bad reviews on social media for them.
by knightrider
Thu Feb 11, 2021 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Would like to fire contractor and ask for excess paid money back - Any unforeseen issues?
Replies: 53
Views: 5491

Re: Would like to fire contractor and ask for excess paid money back - Any unforeseen issues?

I hope that all of the posters who are telling you not to bother with a lawyer will be there to help you out if/when the contractor puts a lien on your property after claiming that you owe him more money. Anyone can sue anyone for anything in this country. So according to your logic I should hire a...
by knightrider
Tue Feb 09, 2021 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Give electric wheelchair to veteran---liability
Replies: 39
Views: 3155

Re: Give electric wheelchair to veteran---liability

Our society has become so litigious that it is such a shame to not be helpful. At lot of it is grossly exaggerated due to TV. Sadly most people watch too much TV which is where they get their paranoia from. I also notice many Americans are bad at "sizing people up". I am very picky on who...
by knightrider
Tue Feb 09, 2021 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Would like to fire contractor and ask for excess paid money back - Any unforeseen issues?
Replies: 53
Views: 5491

Re: Would like to fire contractor and ask for excess paid money back - Any unforeseen issues?

I had a bad experience with a contractor on a remodel and hired an attorney. The legal fees far outweighed what I expected. Before suing the contractor, check to find out if he has any money. Contractors often work project-to-project and have little in the way of assets. It is difficult to collect ...
by knightrider
Thu Feb 04, 2021 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Copyright Infringement (Visual Arts)
Replies: 75
Views: 2834

Re: Copyright Infringement (Visual Arts)

For the minuscule amount of money we are talking about $2-400, I would take it as flattery that someone copied my work.

For lawyers to get involved, there have to be "damages". All I am seeing is the opposite :-)
by knightrider
Fri Jan 22, 2021 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: What defines being successful?
Replies: 50
Views: 2819

Re: What defines being successful?

This is America. Successful is money and/or power. Or at least the trappings of wealth and the illusion of power. How about "struggling artists" types? There are many "pseudo-pro" musicians, actors, comedians, athletes etc.. who earn very little. At the other extreme are some fr...
by knightrider
Wed Jan 20, 2021 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Any freelancers in here? Advice on incorporating?
Replies: 24
Views: 1068

Re: Any freelancers in here? Advice on incorporating?

cowdogman wrote: Wed Jan 20, 2021 3:06 pm Varies jurisdiction to jurisdiction but you'll likely need state and city business licenses, even as a sole proprietor.
Generally licenses are not needed if your are doing pure IT software kind of work. At least I never bothered to get one in 20 years and nobody has ever said anything.
by knightrider
Wed Jan 20, 2021 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Any freelancers in here? Advice on incorporating?
Replies: 24
Views: 1068

Re: Any freelancers in here? Advice on incorporating?

You get an LLC because the client requires it, not because it's needed for actual Liability protection. Get liability insurance for that (specifically Errors & Omissions). That said forming an LLC is ridiculously simple and means you don't need to have these awkward convos with potential client...
by knightrider
Fri Jan 15, 2021 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Consulting work/Side Gig....help with reporting and taxes
Replies: 4
Views: 244

Re: Consulting work/Side Gig....help with reporting and taxes

File Schedule C and deduct all business related expenses.

I wouldn't bother doing the home office deduction. For $6k income it might save you $20 :-) Not worth it for the added complexity to your taxes and increased audit risk.
by knightrider
Fri Jan 15, 2021 2:32 pm
Forum: Personal Investments
Topic: VTI vs. FSKAX for Taxable Account
Replies: 41
Views: 7729

Re: VTI vs. FSKAX for Taxable Account

"ETFs, taxes" . Thanks, but not sure I understand this line from the Wiki. Specifically what does it mean to "give away the shares"? When an institutional investor converts shares of an ETF to stock, the ETF provider can give away the shares of stock with the lowest purchase pri...
by knightrider
Fri Jan 15, 2021 1:26 pm
Forum: Personal Investments
Topic: VTI vs. FSKAX for Taxable Account
Replies: 41
Views: 7729

Re: VTI vs. FSKAX for Taxable Account

I don't think its "wrong", just maybe slightly less than optimal (9 or even 9.5 out of 10 on a scale of 1 to 10). FSKAK will likely have small capital gains distributions in the future. It hasn't had any since April 2019, though. Under current tax law ETFs are much less likely to have cap...
by knightrider
Fri Jan 15, 2021 1:04 pm
Forum: Personal Investments
Topic: VTI vs. FSKAX for Taxable Account
Replies: 41
Views: 7729

Re: VTI vs. FSKAX for Taxable Account

You want ITOT at Fidelity in taxable. Not FSKAX. Only Vanguard mutual funds can be held in taxable accounts with the tax efficiency of an ETF. I hold some FSKAX, but only in a 401k. Curious what the reasoning behind this is? I just invested $300k in FSKAK at Fidelity in a taxable account. Wondering...
by knightrider
Fri Jan 15, 2021 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge $900 preferred rewards brokerage bonus
Replies: 88
Views: 9659

Re: Merrill Edge $900 preferred rewards brokerage bonus

I plan to transfer $200k from an online savings account. Does Merrill Edge offer the same funds available at Fidelity? Specifically, total stock market funds like FSKAX My spouse and I have a joint account. How would we go about getting two bonuses if we invest $400k? I see online it offers these op...
by knightrider
Wed Jan 13, 2021 11:47 am
Forum: Personal Consumer Issues
Topic: PC Build Thread - 2020... and beyond!!!
Replies: 516
Views: 35172

Re: PC Build Thread - 2020... and beyond!!!

Yes, the main product page for that model actually shows it taking two dual-slot traditional GPUs, so the K80 should work just fine. One concern I would have though, is 4 cores enough to manage scheduling of whatever jobs you're using the Tensor cores to do? The actual work is being done on the car...
by knightrider
Wed Jan 13, 2021 11:04 am
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 126
Views: 20876

Re: Help Me [Recover] My Bitcoin!

So where do people store their private keys? My guess is on their computer and/or some online storage place. So one only needs to hack their computer or their online storage account to get access to the private keys? My guess is nobody is going to write down on paper the private key?
by knightrider
Wed Jan 13, 2021 10:56 am
Forum: Personal Consumer Issues
Topic: Help Me [Recover] My Bitcoin!
Replies: 126
Views: 20876

Re: Help Me [Recover] My Bitcoin!

If no one has the private key, the bitcoins are permanently inaccessible. There's no way for you to prove it's yours. This is a fundamental design feature. So if you don't have the private key and there is no record of the private key on the site where you got it, you're out of luck. Sorry. When th...
by knightrider
Wed Jan 13, 2021 10:37 am
Forum: Personal Consumer Issues
Topic: PC Build Thread - 2020... and beyond!!!
Replies: 516
Views: 35172

Re: PC Build Thread - 2020... and beyond!!!

Sorry, my mistake. Meant to write K80, not T4. I need this for machine learning applications like running Tensorflow. We do not need any video outputs. Just looking for something cheap that will outperform our 28 core Intel CPU machines by an order of magnitude. That makes more sense. Yes, it has a...
by knightrider
Tue Jan 12, 2021 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Got a job offer for $840k/yr. Should I come out of retirement?
Replies: 229
Views: 29179

Re: Got a job offer for $840k/yr. Should I come out of retirement?

The specific form that I did is called "paid marketing." I would buy ad space online. When a user clicks on the ad, they are taken to the company's website so that they can buy something, become a new user, or something similar. I always thought of it like gambling. You are spending money...
by knightrider
Tue Jan 12, 2021 3:38 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread - 2020... and beyond!!!
Replies: 516
Views: 35172

Re: PC Build Thread - 2020... and beyond!!!

Anyone tried installing a Tesla T4 GPU into a standard workstation desktop? The specs says it requires 300W power. Would most power supplies be able to provide that? If not, how hard is it to just upgrade the power supply? And would I need to add some fancy "liquid-cooling" to? The T4 is ...
by knightrider
Tue Jan 12, 2021 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to report PPP loan anywhere on my taxes?
Replies: 1
Views: 272

Do I need to report PPP loan anywhere on my taxes?

I am a sole-proprietor and got a $4k PPP loan last year. I just transferred money from my business to my personal checking account. Do I need to report this $4k anywhere on my taxes for 2020? I am assuming I just do my taxes as though the money never existed?
by knightrider
Tue Jan 12, 2021 2:55 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread - 2020... and beyond!!!
Replies: 516
Views: 35172

Re: PC Build Thread - 2020... and beyond!!!

Anyone tried installing a Tesla K80 GPU into a standard workstation desktop? The specs says it requires 300W power. Would most power supplies be able to provide that? If not, how hard is it to just upgrade the power supply? And would I need to add some fancy "liquid-cooling" to?
by knightrider
Tue Dec 29, 2020 4:24 pm
Forum: Investing - Theory, News & General
Topic: Which total stock market fund for $300k to invest?
Replies: 21
Views: 2936

Which total stock market fund for $300k to invest?

I read the wiki and they suggest these ones: Vanguard Total Stock Market Index Fund (VTSAX) Vanguard Total Stock ETF (VTI) Fidelity ZERO Total Market Index Fund (FZROX) or Fidelity Total Market Index Fund (FSKAX) I am not sure I understand the pros/cons of each. Is one better given the $300k lump su...
by knightrider
Mon Dec 14, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer "complimentary wealth planning"?
Replies: 16
Views: 1583

Does Fidelity offer "complimentary wealth planning"?

My 401k from my megacorp is all with Fidelity. I got a call and an email from a Fidelity rep saying: I just wanted to make sure you are taking full advantage of the complimentary wealth planning/investment guidance that you have access to here at Fidelity. Is this just some sales pitch to get me to ...
by knightrider
Tue Dec 08, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: Warm coat recommendations
Replies: 93
Views: 5135

Re: Warm coat recommendations

Make sure you wear warm pants also. My experience is most people ignore that and that results in you always feeling cold. I wear some wool pants with wool liners and merino wool under thermals.
by knightrider
Wed Dec 02, 2020 3:35 pm
Forum: Investing - Theory, News & General
Topic: 45 year old putting all investment in 2020 target retirement funds - Bad idea?
Replies: 8
Views: 812

45 year old putting all investment in 2020 target retirement funds - Bad idea?

I've always leaned conservative in my investing philosophy. So instead of picking 2040 Target retirement fund, I pick 2020. The asset allocation and rate of returns does not seem that much different between them. Is this a really bad idea? Or perfectly normal/common?
by knightrider
Tue Dec 01, 2020 3:01 pm
Forum: Personal Consumer Issues
Topic: What other online forums do you find helpful
Replies: 22
Views: 3362

Re: What other online forums do you find helpful

For off-topic questions, try reddit.
by knightrider
Tue Dec 01, 2020 2:17 pm
Forum: Personal Consumer Issues
Topic: Which battery and wiper blades to get from Autozone?
Replies: 10
Views: 648

Which battery and wiper blades to get from Autozone?

I usually just get whatever is the second cheapest. Is there any advantage to getting the most expensive? I never really gave any thought to it. I just like going to Autozone because they install everything for you for free.
by knightrider
Mon Nov 30, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Does PayPal provide a publicly viewable rating of you?
Replies: 1
Views: 242

Does PayPal provide a publicly viewable rating of you?

Trying to buy something locally but the person is a little too far to justify my time and gas to meet them. They are open to shipping but doesn't want to use PayPal because he is afraid of me filing a "fake claim".. Does PayPal offer a way to tell someone how trustworthy you are via some s...
by knightrider
Sun Nov 29, 2020 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Small claims court - how to proceed?
Replies: 42
Views: 3990

Re: Small claims court - how to proceed?

Just leave a bad review for him on Google and Yelp. If he's not already on there, then lesson learned for you never to hire someone with no reviews.

You will never get any money from him by going to small claims court.
by knightrider
Sat Oct 24, 2020 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Software developer about to seek new opportunities -- discuss salary up front?
Replies: 223
Views: 14840

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

Really, you wouldn't want to be part of a culture where you'd be expected to prove yourself prior to being offered a job? In many industries (including mine), having some sort of test to exhibit a candidate's ability to perform the duties of the job is just an accepted part of the interview process...
by knightrider
Sat Oct 24, 2020 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Software developer about to seek new opportunities -- discuss salary up front?
Replies: 223
Views: 14840

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

i don't understand the hate towards coding challenges. of all the options in the toolbox this is easily one of the best, if not best, indicators for success if you're interviewing for a coding position. It's like interviewing someone then asking for irrefutable proof they actually attended xyz coll...
by knightrider
Thu Oct 22, 2020 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Software developer about to seek new opportunities -- discuss salary up front?
Replies: 223
Views: 14840

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

As for the code tests. The biggest thing is to not start coding right away but to ask questions to fully understand the problem you are trying to solve. Why are they doing code tests if you already have built commercial apps/software? Makes you wonder are these the kind of people you want to work f...
by knightrider
Thu Oct 22, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Software developer about to seek new opportunities -- discuss salary up front?
Replies: 223
Views: 14840

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. That actually supports the notion that the jobs are not plentiful. If they were plentiful they wouldn't create barriers like l...
by knightrider
Wed Oct 21, 2020 11:06 am
Forum: Personal Investments
Topic: Where to start with mega backdoor Roth IRA?
Replies: 69
Views: 6564

Re: Where to start with mega backdoor Roth IRA?

I am confused on what is the difference among ROTH, After TAX and Default After-tax? I assume I should be only doing "After Tax", but where will that money go? So I set my after tax to 50% after maxing out my $19,500 contributions. I waited a few paychecks and did not see anything get tak...
by knightrider
Thu Oct 08, 2020 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 250
Views: 20780

Re: Is programming still a valuable skill to learn?

The US just pays more for a similar type of work for some reason (and has a much better work life balance relative to work hours in East Asia). Like the movie Trading places, most of our pay is for pedigree, trust and culture fit. Skills anybody can learn. Trust takes generations to develop. Just b...
by knightrider
Thu Oct 08, 2020 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 250
Views: 20780

Re: Is programming still a valuable skill to learn?

Ben Mathew wrote: Thu Oct 08, 2020 11:34 am
TomatoTomahto wrote: Thu Oct 08, 2020 11:00 am I’m not sure that modern compilers aren’t sufficiently better to make it not worth the effort.
My brain is still compiling this sentence... :shock:
Haha, a "triple negative"...
by knightrider
Thu Oct 08, 2020 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Is programming still a valuable skill to learn?
Replies: 250
Views: 20780

Re: Is programming still a valuable skill to learn?

My two cents is spend a little time learning to code in assembly. Once you understand how the chip actually works, then learning any higher level language will seem trivial. I would reckon the majority of "code monkeys" out there have no idea how the computers hardware actually works. They...
by knightrider
Wed Sep 30, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: Why invest in CDs instead of target retirement funds?
Replies: 43
Views: 3541

Re: Why invest in CDs instead of target retirement funds?

And, you can't really compare a savings account to a TR fund since they have different risk levels. Even if you choose TR Income with 30% stocks, you will see your principal fluctuate. But you are likely to earn significantly more with the TR fund than a savings account over the long run. It's the ...