Search found 1596 matches

by Afty
Sat Apr 17, 2021 5:41 pm
Forum: Personal Consumer Issues
Topic: Temp change in remote location - tell employer?
Replies: 31
Views: 2181

Re: Temp change in remote location - tell employer?

At the mega corp where I worked there was a policy on how long you could do this before it became a (tax) problem. It was longer than a week IIRC.

Practically I would tell my boss but not make a big deal about it. “Hey boss, FYI, I’ll be traveling and working from X the week of blah to blah.”
by Afty
Fri Apr 16, 2021 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: IC to Manager
Replies: 16
Views: 1630

Re: IC to Manager

One more piece of advice: have weekly 1:1s with each of your reports. It builds trust so that the report will feel comfortable bringing up problems to you. Trust will also help you deliver critical feedback in a less threatening, more effective way.
by Afty
Thu Apr 15, 2021 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: IC to Manager
Replies: 16
Views: 1630

Re: IC to Manager

I was a software engineering manager for 4 years and recently switched back into an individual contributor role. My advice would be to focus on management work and don’t try to keep doing technical work. It’s not your job anymore to write code, fix bugs, etc. It’s your job to run the team, help peop...
by Afty
Thu Apr 15, 2021 10:03 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2229

Re: local dealers offering to buy car for more than you paid?

What type of car? More often than not the dealers have no interest in your car. They are interested in you trading that car and buying something new. I got multiple notifications that the dealer wanted my 2006 Ford Escape! It was popular and they needed it it for a customer! Funny enough it’s a For...
by Afty
Mon Apr 12, 2021 3:59 pm
Forum: Investing - Theory, News & General
Topic: Ross Gerber (Wealth Management) claims index funds won’t have high enough returns to fund retirement
Replies: 27
Views: 1947

Re: Ross Gerber (Wealth Management) claims index funds won’t have high enough returns to fund retirement

“It is difficult to get a man to understand something, when his salary depends on his not understanding it.”
by Afty
Sun Apr 11, 2021 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Anxiety about the future
Replies: 57
Views: 6461

Re: Anxiety about the future

crystalbank wrote: Sun Apr 11, 2021 6:23 pm I've never seen an unemployed doctor (i.e. due to lack of jobs or opportunity , not malpractice) in my life.
U.S. News says the unemployment rate for physicians is 0.3%. https://money.usnews.com/careers/best-jobs/physician

Those are pretty good odds.
by Afty
Fri Apr 09, 2021 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can I early retire from my corporate job?
Replies: 53
Views: 9183

Re: Can I early retire from my corporate job?

These are good questions and suggestions. I am putting in 12-14 hour days with some work spilling over into the weekends. Our work environment is fast paced with multiple concurrent deadlines for that team I manage. The work is technical requiring a lot of breadth and depth, which adds to the stres...
by Afty
Tue Apr 06, 2021 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: What is the expected percentage (raise) for a manager position?
Replies: 24
Views: 2270

Re: What is the expected percentage (raise) for a manager position?

This is completely company specific. I've worked for tech companies all my career and was offered management positions twice (which I declined to stay a tech guy). In both cases, they made it clear that moving from Principal Engineer to Manager was a lateral move and no raise would accompany it. An...
by Afty
Tue Apr 06, 2021 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Job Satisfaction vs Maximizing Income
Replies: 87
Views: 5883

Re: Job Satisfaction vs Maximizing Income

I wouldn’t worry too much about maximizing income early in your career. Instead, I would focus on working on something interesting at an interesting company where you can learn a lot and hopefully make a name for yourself. I’d also focus on building transferable skills, rather than learning too much...
by Afty
Sun Apr 04, 2021 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to file taxes before May 17?
Replies: 34
Views: 3637

Re: Any reason to file taxes before May 17?

File as early as possible to prevent identity theft by someone fraudulently filing for you first. Just get the IRS Identity Protection PIN! The PIN is very helpful like mentioned. Otherwise it is a real issue as I’ve experienced in the past. Just tried to sign up for an IRS account but my Google Vo...
by Afty
Sat Apr 03, 2021 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Any reason to file taxes before May 17?
Replies: 34
Views: 3637

Any reason to file taxes before May 17?

Both the IRS and my state (CA) have extended the tax filing deadline to May 17. If I owe, is there any reason to file before then?
by Afty
Fri Apr 02, 2021 9:42 am
Forum: Personal Consumer Issues
Topic: Storage Unit Rent Increase
Replies: 32
Views: 2848

Re: Storage Unit Rent Increase

After watching Storage Wars a couple of times, it became clear to me that people were paying more to store their junk than the junk was worth. So I vowed to myself to never rent one. But then I started a new hobby that takes up a lot of space in my garage and small basement. So I rented a storage u...
by Afty
Thu Apr 01, 2021 4:17 pm
Forum: Personal Consumer Issues
Topic: Laser Printer: Buy a New One?
Replies: 54
Views: 3871

Re: Laser Printer: Buy a New One?

Brother laser printers are highly recommended. I've been using them for around 5 years with no issues. You can get a nice, basic B&W Brother laser for <$100. At that cost, I wouldn't mess around with trying to repair the old printer.
by Afty
Wed Mar 31, 2021 2:46 pm
Forum: Personal Consumer Issues
Topic: Does Honors Undergrad help Grad School Admission
Replies: 38
Views: 2822

Re: Does Honors Undergrad help Grad School Admission

My sense is that people generally don't get a terminal Masters in CS to get involved in research, they do it either (a) because their undergrad was not in CS and they are trying to come up to speed in the field, or (b) they're trying to shift focus and break into a specific subarea, e.g. ML. There a...
by Afty
Tue Mar 30, 2021 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Remote working situation - questions
Replies: 18
Views: 2031

Re: Remote working situation - questions

what I failed to mention is that this particular company is based in Seattle and most of my team (75%) is based there. So, I am going to be interacting remotely ALWAYS with folks there. One of the key reasons they expanded into Dallas was due to the insane competition for tech talent in Seattle. Th...
by Afty
Tue Mar 30, 2021 12:22 pm
Forum: Personal Consumer Issues
Topic: Does Honors Undergrad help Grad School Admission
Replies: 38
Views: 2822

Re: Does Honors Undergrad help Grad School Admission

... My second question is whether he should do grad school? Will it help him in his career enough to justify the cost in time and money compared to starting at an excellent tech company right out of college? His current view is that a top grad school would probably be worth it, but getting a gradua...
by Afty
Mon Mar 29, 2021 10:26 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 255
Views: 25251

Re: High spenders what do you spend on?

I’m not sure it makes sense to exclude housing, daycare, and tuition — I would guess those are a large proportion of the expenses for high earners.
by Afty
Sat Mar 27, 2021 3:40 pm
Forum: Personal Consumer Issues
Topic: Car in Hawaii For One Year
Replies: 35
Views: 2270

Re: Car in Hawaii For One Year

Related question: The car won’t be needed after the 1 year in Hawaii. It’s a 2014 Corolla in good shape. A friend insists it will fetch a lot more if sold in Hawaii. I’m skeptical. Do used cars fetch more in Hawaii than apples to apples same cars on the mainland? KBB says a 2014 Corolla is worth ab...
by Afty
Tue Mar 23, 2021 7:15 pm
Forum: Personal Consumer Issues
Topic: What Outlets in preparation for electric cars?
Replies: 100
Views: 6721

Re: What Outlets in preparation for electric cars?

See this article about companies coming out with Level 2 chargers for the home to match Level 2 charging found on public chargers. https://mashable.com/article/level-2-faster-home-ev-charging/ Here is an article from 2010 that talks about home L2 charging: https://www.greencarreports.com/news/10482...
by Afty
Sun Mar 21, 2021 11:31 pm
Forum: Personal Consumer Issues
Topic: Music for tweens and teens
Replies: 18
Views: 1298

Re: Music for tweens and teens

Spotify is very popular (maybe the most popular music streaming service), it lets you stream whatever music you want. We pay for a family plan for us and our 2 kids. We are able to prevent the kids' accounts from playing songs with explicit language.
by Afty
Sun Mar 21, 2021 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Jobs to Work From Home 100%
Replies: 8
Views: 741

Re: Switching Jobs to Work From Home 100%

I just switched to a 100% work from home role at a new company. The company is “remote-first,” i.e. >50% of the company is remote and therefore there’s little disadvantage to not being in the office. I’d suggest looking for a company like that.
by Afty
Sun Mar 21, 2021 5:12 pm
Forum: Personal Consumer Issues
Topic: Oven temperature accuracy
Replies: 26
Views: 1462

Re: Oven temperature accuracy

Suppose you do this and find out your oven is actually 25 degrees cooler than where you set. Is it possible to recalibrate to read accurately? Obviously you can just set the temp 25 degrees higher than what you really want, but that would really annoy me. 😁
by Afty
Thu Mar 18, 2021 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Asking HR for a raise
Replies: 52
Views: 4944

Re: Asking HR for a raise

I'm already well compensated, but my long term incentives are offsetting shortcomings in guaranteed shoter-term pay, and that bothers me---and is not what should be expected. Reading this and your original post, is it the case that only your base salary is too low in your opinion? Is your total com...
by Afty
Tue Mar 16, 2021 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Consider locking your unused credit cards to avoid fraudulent charges
Replies: 12
Views: 1110

Re: Consider locking your unused credit cards to avoid fraudulent charges

I also just close cards I’m not using. I think the concern about impacting credit scores is overblown and possibly a ploy by the credit card companies.
by Afty
Mon Mar 08, 2021 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Internal salary negotiation with significantly appreciated RSUs
Replies: 47
Views: 4348

Re: Internal salary negotiation with significantly appreciated RSUs

If an employee came to me with this question, I would explain to them that they should be comparing total comp vs total comp, not isolating the conversation to salary only. But for total comp, you should be looking at RSUs granted, not vested, right? Otherwise you're pulling a bait and switch with ...
by Afty
Mon Mar 08, 2021 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: PSA : Turbotax cannot import vanguard brokerage 1099 ?
Replies: 37
Views: 3985

Re: PSA : Turbotax cannot import vanguard brokerage 1099 ?

... TurboTax Premier on Windows. TT online, download or CD? Online versions of TT seem to have more issues/less features than the CD/download counterpart from the threads I read here. Try asking your question in the TT forum if you haven’t already. Desktop, download. I went ahead and entered the in...
by Afty
Mon Mar 08, 2021 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: PSA : Turbotax cannot import vanguard brokerage 1099 ?
Replies: 37
Views: 3985

Re: PSA : Turbotax cannot import vanguard brokerage 1099 ?

I still can't get this to work. I've tried importing from both "Vanguard Group - Brokerage Account" and "Vanguard Group - Mutual Fund Accounts." For brokerage, I get a message that my login failed. For mutual fund, I get "The login request did not contain expected OFX login ...
by Afty
Sun Mar 07, 2021 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Internal salary negotiation with significantly appreciated RSUs
Replies: 47
Views: 4348

Re: Internal salary negotiation with significantly appreciated RSUs

Take a step back and re-read your post from the perspective of your manager. It sounds like you are actually being paid above market for your role (due to stock price increases, yes, but those are real dollars in your pocket), and you're trying to leverage worse external offers for an raise. I don't...
by Afty
Sun Mar 07, 2021 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: 35 and thinking about early retirement or partial retirement
Replies: 131
Views: 13759

Re: 35 and thinking about early retirement or partial retirement

It sounds like you could use a change of scenery. Consider changing jobs as others have suggested. IME there is a “honeymoon period” at a new job when everything seems more exciting because you haven’t done it before.
by Afty
Sun Mar 07, 2021 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Coast to retirement jobs late 40s medicine
Replies: 37
Views: 4116

Re: Coast to retirement jobs late 40s medicine

When my mom retired, she started working part time for her friend's private practice. She absolutely loved it — it was just taking care of patients without having to worry about all the other stuff.
by Afty
Wed Mar 03, 2021 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Big Raise: What to Do With It
Replies: 45
Views: 3436

Re: Big Raise: What to Do With It

It sounds like OP doesn't really want anything but feels they should spend the money on something. If you're truly happy with the status quo, I'd recommend just saving the money. Maybe down the road you decide you want some indulgent thing, and you'll already have the money saved up to pay for it.
by Afty
Tue Mar 02, 2021 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do wealthy people typically own multiple properties?
Replies: 39
Views: 2139

Re: Do wealthy people typically own multiple properties?

I'm guessing there is a positive correlation between "wealth," however you define it, and # of properties owned. There is probably some threshold of wealth above which >50% of those people own >1 property.
by Afty
Mon Mar 01, 2021 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford a $2.5M first home?
Replies: 185
Views: 14700

Re: Can we afford a $2.5M first home?

I think you could swing this financially, but I wouldn’t recommend it. Jumping into a house at the top of your price range before your baby arrives is risky. It’s hard to imagine how your life will change when your child arrives. Maybe one parent will want to stay home. Maybe child care turns out to...
by Afty
Sun Feb 28, 2021 11:27 am
Forum: Personal Finance (Not Investing)
Topic: External self-storage facility as 1-stop-shop for liquidating an estate?
Replies: 22
Views: 1505

Re: External self-storage facility as 1-stop-shop for liquidating an estate?

Plus not everything would sell even in normal times, so there's still another step of moving-disposing and the need to contact multiple charities since there won't be one that wants everything. I had an estate sale a few years ago. The estate sale company took care of disposing of anything that did...
by Afty
Sat Feb 27, 2021 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to avoid capital gains on a house
Replies: 14
Views: 1534

Re: Moving to avoid capital gains on a house

In California, where the purchase price dictates the basis for property tax, this idea is a major loser. Where I live, in Colorado, your property taxes go up every two years, with the new assessment. I figured California would be the place with some of the biggest gains, and therefore people might ...
by Afty
Thu Feb 25, 2021 12:41 pm
Forum: Personal Consumer Issues
Topic: Tesla Model Y update
Replies: 26
Views: 3957

Re: Tesla Model Y update

I read horror stories about quality issues, so I watched a lot of YouTube, got an app for inspection and had a 3-page checklist to look over the car at delivery. I also had 2 other people with me. It took us 2 hrs to go over everything and there was only 1 minor issue with the USB charge port. Impr...
by Afty
Thu Feb 25, 2021 1:43 am
Forum: Personal Investments
Topic: Leverage - Is this a Reasonable Boglehead Way to Use It?
Replies: 44
Views: 3267

Re: Leverage - Is this a Reasonable Boglehead Way to Use It?

In terms of what I would do with the money if I didn’t contribute to the CBP I would lose 40% to taxes... I am not familiar with CBP plans, but my reading seems to say they are a type of pre-tax retirement plan. If that’s correct, won’t you have to pay income tax on withdrawals down the road, and t...
by Afty
Wed Feb 24, 2021 1:22 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)

Our kids are also 100% remote and doing great. Similar to yours, they seem to thrive in remote learning, and as a techie I've been especially pleased at how well they've taken to the technology and have become little Zoom and Google Doc experts. My 5th grader has been writing stories in Google Docs ...
by Afty
Wed Feb 24, 2021 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Stepping back in career when wife is doing well?
Replies: 54
Views: 5031

Re: Stepping back in career when wife is doing well?

OP, what kinds of changes have you considered? Here are some ideas: Cut back to part time. At the FAANG company where I worked, you could cut back to 60 or 80% time pretty easily. Take an extended leave. I did this a few years ago -- took two months unpaid leave to spend the summer with my kids. It ...
by Afty
Wed Feb 24, 2021 12:11 pm
Forum: Investing - Theory, News & General
Topic: What would it take?
Replies: 2
Views: 361

Re: What would it take?

Is the global market steered by the U.S. market, or is the U.S. market steered by the global market? Or are both markets steered by the same underlying forces, causing them to move in the same direction most of the time?
by Afty
Wed Feb 24, 2021 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Amica offer discount for low annual mileage vehicles?
Replies: 6
Views: 704

Re: Amica offer discount for low annual mileage vehicles?

Just yesterday I called Amica to reduce my yearly mileage since I’m switching to a permanent work from home position. I got a $90/yr discount for a 1/3-1/2 reduction in miles driven. How many miles were you driving? How many miles are you driving now to give us an idea? Not much in either case. Ann...
by Afty
Tue Feb 23, 2021 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: New job and HSA questions
Replies: 3
Views: 264

Re: New job and HSA questions

My new employer will fully fund my HSA for the year without my having to make any contributions. Possibly they will prorate it for the fraction of the year I'm working for them. I'll find out once I start. It seems that this is going to cause an overcontribution. How do I deal with that? Easiest to...
by Afty
Tue Feb 23, 2021 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: New job and HSA questions
Replies: 3
Views: 264

New job and HSA questions

I'm switching jobs and am not sure how to handle my HSA. In my previous job, I had an HDHP covering my family and me, and was on track to max out our HSA by contributing $7200 (combined my contribution + employer contribution). Through my end date, the total contributed was $2800. My new employer wi...
by Afty
Tue Feb 23, 2021 3:35 pm
Forum: Personal Investments
Topic: 23 year old engineer - Medium Term Planning [Moving to US from Canada]
Replies: 21
Views: 2291

Re: 23 year old engineer - Medium Term Planning

I would call it a mistake to sell the ESPP immediately. You should think of it as a 2yr CD ladder, the earlier you start the sooner the 2 year window will appear and allow you to sell at a capital gains rate. Do this on a rolling 2 year basis. Your salary & RSUs are sufficient to live on in the...
by Afty
Tue Feb 23, 2021 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Amica offer discount for low annual mileage vehicles?
Replies: 6
Views: 704

Re: Amica offer discount for low annual mileage vehicles?

Just yesterday I called Amica to reduce my yearly mileage since I’m switching to a permanent work from home position. I got a $90/yr discount for a 1/3-1/2 reduction in miles driven.
by Afty
Mon Feb 22, 2021 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Lexus RX 350 big enough for a family of 3?
Replies: 48
Views: 2956

Re: Is a Lexus RX 350 big enough for a family of 3?

If the RX isn't big enough for your family of 3, then you're probably hoarders. :happy Seriously, it's a mid-size SUV, with a large amount of passenger and cargo space. It's at least one size larger than the RAV4, CR-V, etc. that even many larger families typically buy, and even those have plenty o...
by Afty
Sun Feb 21, 2021 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: too much in 401k may be forced to quit job
Replies: 183
Views: 16831

Re: too much in 401k may be forced to quit job

Two thoughts: This seems like a very toxic place to work. You should get out if at all possible. This is a very serious breach of privacy, and the disclosure of your personal financial information has created a hostile workplace environment. I would start documenting all of these negative interactio...
by Afty
Fri Feb 19, 2021 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Dual Agent Commission - what is "normal" if there is no separate buyers agent?
Replies: 14
Views: 1162

Re: Dual Agent Commission - what is "normal" if there is no separate buyers agent?

I would not allow my seller's agent to also be the buyer's agent. It's too much of a conflict of interest. Even Realtor Magazine agrees: First, you should know what it means to “represent” a client. You become his or her fiduciary, and everything you do should be in the client’s best interests—even ...
by Afty
Thu Feb 18, 2021 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How should I spend all this money?
Replies: 72
Views: 9065

Re: How should I spend all this money?

I'll echo Meg's advice to employ others and also suggest to be generous to those you employ. They're working hard and need the money more than you.
by Afty
Sat Feb 13, 2021 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Maternity leave and job stability
Replies: 74
Views: 3215

Re: Maternity leave and job stability

This is going to be very employer dependent. I expect any large company would stay far, far away from anything like this, because of the risk of lawsuits. Where I work, management is very supportive of parental leaves. As a manager, when I do performance evaluations, I'm instructed to scale my expec...