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Maybe, maybe nightmarish.

I’ve just spent about four months wraggling with a Uber-esque type service for maid service. Made the mistake of taking a groupon deal.

Flake central. The time lag is the problem. Scheduling was also a problem. The contractors were continually trying to shift the schedule or do something else, or two days before the appointment, cancel out, then the system attempts to rematch with someone else.

One giant PITA. Looks great on the service, like you would basically get matched up with a free lance house cleaner that sets their own rate and establish a schedule.

Just flake central.

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Chart correlates to the bubble chart. Post bubble buyers gained equity, but move up homes gained even faster and leverage worked against them. Bubble buyers are just now getting back to were they were.

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[quote=flu]Also, you don’t need to change your career to make $200k in CA, BTW kev. You just need to be at the top of your game. [/quote]

IMHO, there’s a little more to it than that.

First, let’s be realistic on how many are actually making over $200K.

Second, let’s be realistic why some of them that are making over $200K are making it.

Third, let’s be realistic on the form of that compensation.

Finally, let’s realistic on what it’s really going to take to make it.

1st, a small percentage of the people are making over $200K, even in tech. For every $200K person, there is an army of junior people, off-shore people, help desk people and others.

2nd, of those making over $200K, many are because of in demand skills, new skills or exploitative niche of old skills and personal connections. I know more than a few making that, that are stuck where they’re at.

3rd, many making over $200K are doing so because of equity participation in one form or another and combination of good company performance AND, job tenure (there long enough to cash in on that equity).

Finally, you got to work it. You have to actively work the compensation component of it, jumping ship when the comp isn’t there. You also have to work it and deliver. Don’t underestimate this one, deliver, deliver, deliver. Deliver when you said you would deliver. Deliver when no one thinks you can deliver.

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How about Freedompop?

I bought a mifi point and use them for a free 500MB a month wifi.

For Phone service 500MB free data, 500 free texts and 200 free minutes talk time each month.

You can pick up a refurb HTC desire for $59, it’s not a flip phone but should have a good week or two of standby time.

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[quote=The-Shoveler]Calorie counting LOL, kind of have become obsessed with it.
For me (over 6’ Male) about 2500 Calories under normal activity is what I should burn a day.
I try to keep my intake to about 1500 to 1800 a day that should burn off the excess fat over time.
(I guess I will see if that works).
Walking or running the same distance burns about the same amount of calories so I try to keep walking whenever possible (run about half mile every day).[/quote]

Jimho, you’re doing too big of a calorie deficit. Granted 7000 calories a week would only be just under two pounds, 2500 down to 1500 is a 40% reduction. Your body will see that as starvation mode.

Almost all the research shows dieting backfires long term for most.

If you’re 40/50s, just over 6 foot and your target weight is 200, 2500 calories is right if your active. If you have an office job, and your target weight is closer to 180 you may be over by 300 calories a day.

Don’t you think you’ll do better long term eating closer to your target weight zone ( provided it’s relatively close)?

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Yea well, math mistake on my part too.

I’m talking marginal. He’d have to be close to the bottom limit on the MAGI to get below the $151K and that’ll shave 3% off the Fed rate.

I doubt they drop their AGI below $103K to get under the 9.3% Cali rate.

So maybe 34.3%

Either way, and even at the much lower 29%, getting a zero risk 29% return would make most fund managers drool.

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[quote=livinincali]

The only thing your really missing out on is the tax benefit. [/quote]

Head bang wall.

He’s stated that his MAGI is too high for Roth. So their MAGI is north of $194K for a couple.

As such, his marginal tax bracket is 9.3% if not 10.3% in California and another 28% for Federal.

Combined a 37% tax hit. So to park that $18K max 401K contribution in a regular brokerage, he’s going to have to allocate $28.5K to pay the $10K+ in taxes and put the $18K in the brokerage. Any realized additional income or gains during the year are also taxed.

Last I checked, a 58% one year return with virtually zero risk was pretty good.

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Yea, there’s nothing more powerful this year than voting for someone other than the two major parties.

Sure, one of the two will likely win (way over 90% chance), I really doubt any third party candidate will claim any State. But a strong showing may finally break the mindset of there’s only two parties.

Johnson is on the ballot in every State, unlikely to be on the debate stage. Stein is on many. The media polls and project winners are typically done presenting only two options.

In California, were way down in numbers with only 5 parties on the ballot.

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I’m curious what you think those reasons are?

Other than laziness and not thinking it’s important?

I’m serious. I can understand a probationary cleaning before enrollment, but nearly 18 months with what appears to be a once a year enrollment?

I’ve seen this at some small firms but not to this extent and just my anecdotal observation, the lack of importance they place on having this critical compensation component for their employees permeates a lot of activities in the company.

I get they don’t have great fund selection, that’s a side effect of being small and herded into fee generating plan by the servicer. (that has it’s own concerns)

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Good ideas, but let’s talk about the obvious one.

What kind of company has a 401K that you can’t enroll in for more than 6 months? Let alone 18 months. And what are the details around the plan?

If you started this summer, I could maybe see missing some arbitrary 6 months cutoff. Even then, most companies will let you enroll and start contributing to the 401K, you’re just not eligible for match until the 6 month mark.

I’d say take a good long look at the plan, verify the management of it, match, vesting, expense ratios, etc. and most importantly, getting your money out when you leave.

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Oh fuck please.

Just fucking stop.

Aleppo isn’t a one word place holder for the shit going on in Syria. That’s what’s so fucking stupid about this. And yes, this is about time to start saying fuck.

Because everybody keeps playing grab ass bullshit games.

The question could have been, what are you going to do about the Syrian crises. The Syrian conflict. or any number of things, but a one word bullshit Ah–Lep’—O is just fucking bullshit.

That shit started out of the Arab spring, that same shit that gave us Benghazi.

The same shit, the Ms Foreign Chops, can’t think of a more qualified person to be President was on the fucking deck of and principal role was Secretary of the Fucking State responsible for that sh*t. Apparently she was watching the video the Administration told us was responsible for it.

And Trump is a blowhard fucking idiot but everybody wants to play one word grabass and act like asking “What is Ah-Lep-O??” is a fucking major thing because they’re reading the the fucking primer published in almost every media outlet half of which like the LA Times were showcasing talking heads claiming is was Capital of ISIS which it isn’t and which the LA Times pointed out.

And as soon as questioner got over the “you don’t know Aleppo bullshit” and said Syria, Johnson was on it and pointing out that it’s a fucking quagmire mess and total disaster.

But play grab ass on “Ah–Lep–O”

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So a teenage girl is home with a couple girlfriends while the parents are away (I’m assume not just out for the night ) and the unknown robbers post a party plan to rob the place getting lucky (or more likely knowing from school contact) that just the girls are there and in the confusion rob the place

Of the girls invite some friends over for a party, one dumb dumb posts it, it gets out of hand and someone opportunistically steals valuables.

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I think the money needs to be on autopilot and able to sustain you by mid-40s.

To be honest you can retrain. But very few businesses outside of desperately new tech are willing to pick up a retooled 40 something at a lower level and pay than previous. SW dev and changing platforms and languages and not retooling the whole plant of the persons skill sets.

Switching platforms like to the phone is still an incremental step with same core principles involved. Crossing core is much more difficult and businesses are much less interested in those attempting it.

Meanwhile back on Rancho California, our Governor signed extended climate change legislation yesterday impacting our cost environment locally.

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Be sure to take a breathless pause and the. Repeat Ah-Lep-po slowly. Just the single word

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[quote=flu][quote=no_such_reality]
Skills sets are progressive. You can’t have an economy that just has top level skills and jobs.

Well, you can, but that only works for a generation.
[/quote]

Well, you don’t need everyone to have the top skills. You just need enough people in your country to have the top skill to justify having a presence here at all, so the rest of the people who aren’t top level skills can be supported locally with local wages.

Building a damn is also slightly different. The work literally has to be done here, unlike building a portable product or service. Different set of rules.[/quote]

flu you’re being very literal.

not sure what local wages are when the global environment is dictating what wages are. Top talent only justifies local presence if there shortage of that talent outside of the area or you’re required to have local presence for other reasons.

When today’s local top talent retires who will replace them?

hint: the guys off shore that already replaced the mid-level talent.

[Author]

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