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UCGal
ParticipantI’m a little curious – people seem to be using “programmer”, Engineer, and IT developer interchangeably. I guess that throws me for a loop since I’m a software programmer of the embedded type. (definitely not IT.)
My brother did IT in Colorado. Managed webfarms for the federal government, developed dba and enterprise apps for the state of Wyoming. Jobs were definitely tightening up when he exited the workforce due to terminal illness. What he did and what I do were so completely different. Even though we both called ourselves software engineers. He never had to write a device driver… never had to worry about stack overflows… memory management was a non-issue in his work.
ParticipantI’m a little curious – people seem to be using “programmer”, Engineer, and IT developer interchangeably. I guess that throws me for a loop since I’m a software programmer of the embedded type. (definitely not IT.)
My brother did IT in Colorado. Managed webfarms for the federal government, developed dba and enterprise apps for the state of Wyoming. Jobs were definitely tightening up when he exited the workforce due to terminal illness. What he did and what I do were so completely different. Even though we both called ourselves software engineers. He never had to write a device driver… never had to worry about stack overflows… memory management was a non-issue in his work.
Participant[quote=bsrsharma]To be honest, I think you are worrying that you may die soon. I agree that it is a rational fear. My suggestion would be, take 1,200K – 420K = 780K, invest it wisely in a high yield safe diversified investments, move to a lower cost locale with slower pace of life, live a more stress free life so that you can postpone your funeral. As a physician, you should be able to make a good living almost everywhere. California is overrated.[/quote]
LOL – I think we’d all have less stress if the “high yield” “safe” investments were do-able in this market. Diversification helps spread the risk of individual sectors… but “safe” and “high yield” together are pretty elusive these days.
Participant[quote=bsrsharma]To be honest, I think you are worrying that you may die soon. I agree that it is a rational fear. My suggestion would be, take 1,200K – 420K = 780K, invest it wisely in a high yield safe diversified investments, move to a lower cost locale with slower pace of life, live a more stress free life so that you can postpone your funeral. As a physician, you should be able to make a good living almost everywhere. California is overrated.[/quote]
LOL – I think we’d all have less stress if the “high yield” “safe” investments were do-able in this market. Diversification helps spread the risk of individual sectors… but “safe” and “high yield” together are pretty elusive these days.
Participant[quote=bsrsharma]To be honest, I think you are worrying that you may die soon. I agree that it is a rational fear. My suggestion would be, take 1,200K – 420K = 780K, invest it wisely in a high yield safe diversified investments, move to a lower cost locale with slower pace of life, live a more stress free life so that you can postpone your funeral. As a physician, you should be able to make a good living almost everywhere. California is overrated.[/quote]
LOL – I think we’d all have less stress if the “high yield” “safe” investments were do-able in this market. Diversification helps spread the risk of individual sectors… but “safe” and “high yield” together are pretty elusive these days.
Participant[quote=bsrsharma]To be honest, I think you are worrying that you may die soon. I agree that it is a rational fear. My suggestion would be, take 1,200K – 420K = 780K, invest it wisely in a high yield safe diversified investments, move to a lower cost locale with slower pace of life, live a more stress free life so that you can postpone your funeral. As a physician, you should be able to make a good living almost everywhere. California is overrated.[/quote]
LOL – I think we’d all have less stress if the “high yield” “safe” investments were do-able in this market. Diversification helps spread the risk of individual sectors… but “safe” and “high yield” together are pretty elusive these days.
Participant[quote=bsrsharma]To be honest, I think you are worrying that you may die soon. I agree that it is a rational fear. My suggestion would be, take 1,200K – 420K = 780K, invest it wisely in a high yield safe diversified investments, move to a lower cost locale with slower pace of life, live a more stress free life so that you can postpone your funeral. As a physician, you should be able to make a good living almost everywhere. California is overrated.[/quote]
LOL – I think we’d all have less stress if the “high yield” “safe” investments were do-able in this market. Diversification helps spread the risk of individual sectors… but “safe” and “high yield” together are pretty elusive these days.
ParticipantTo your OT comment:
I don’t homeschool but have friends that do. In every case it’s because their kids are special needs. One has a son that has CP. Another has a daughter with asbergers. They weren’t satisfied with the programs that the public school offered – felt their kids needs full, rigorous, challenging education that their special needs were preventing in the public schools. In the case of the girl with asbergers – she was labeled as a “problem child” and they focused on her behavior and completely dropped the academics… I’m sure it was one bad teacher – but it was enough to have my friend pull her from the school.ParticipantTo your OT comment:
I don’t homeschool but have friends that do. In every case it’s because their kids are special needs. One has a son that has CP. Another has a daughter with asbergers. They weren’t satisfied with the programs that the public school offered – felt their kids needs full, rigorous, challenging education that their special needs were preventing in the public schools. In the case of the girl with asbergers – she was labeled as a “problem child” and they focused on her behavior and completely dropped the academics… I’m sure it was one bad teacher – but it was enough to have my friend pull her from the school.ParticipantTo your OT comment:
I don’t homeschool but have friends that do. In every case it’s because their kids are special needs. One has a son that has CP. Another has a daughter with asbergers. They weren’t satisfied with the programs that the public school offered – felt their kids needs full, rigorous, challenging education that their special needs were preventing in the public schools. In the case of the girl with asbergers – she was labeled as a “problem child” and they focused on her behavior and completely dropped the academics… I’m sure it was one bad teacher – but it was enough to have my friend pull her from the school.ParticipantTo your OT comment:
I don’t homeschool but have friends that do. In every case it’s because their kids are special needs. One has a son that has CP. Another has a daughter with asbergers. They weren’t satisfied with the programs that the public school offered – felt their kids needs full, rigorous, challenging education that their special needs were preventing in the public schools. In the case of the girl with asbergers – she was labeled as a “problem child” and they focused on her behavior and completely dropped the academics… I’m sure it was one bad teacher – but it was enough to have my friend pull her from the school.ParticipantTo your OT comment:
I don’t homeschool but have friends that do. In every case it’s because their kids are special needs. One has a son that has CP. Another has a daughter with asbergers. They weren’t satisfied with the programs that the public school offered – felt their kids needs full, rigorous, challenging education that their special needs were preventing in the public schools. In the case of the girl with asbergers – she was labeled as a “problem child” and they focused on her behavior and completely dropped the academics… I’m sure it was one bad teacher – but it was enough to have my friend pull her from the school.ParticipantGiven your family situation – I agree with your wife – she has a job. A very important one.
But stress will kill you. My husband was working on a very stressful job – his BP was where yours was. I talked him into quitting and getting a different job. It was 4 years ago – and a different job market, though.
Like you, I’ve got 9 years left on a 15 year mortgage. Unlike you, I’m older, with younger kids. We’re looking at retirement coincident with college. There is no way I want a mortgage in that time frame.
You need to do something – you’re no good to your kids and wife if you stroke out. I see your options as:
– change your stress levels by adjusting your work load.
– take out very healthy sized long term disability insurance and life insurance – so if you do stroke out your family is still taken care of.
– change your stress levels by reassessing your finances.When you bought the house – did you think the mortgage that you took out was too big for your budget? Or did things change in the meantime? You planned on paying it on this schedule, what changed? The value of the underlying house is really irrelevant if you bought the house to live in – not as an investment.
ParticipantGiven your family situation – I agree with your wife – she has a job. A very important one.
But stress will kill you. My husband was working on a very stressful job – his BP was where yours was. I talked him into quitting and getting a different job. It was 4 years ago – and a different job market, though.
Like you, I’ve got 9 years left on a 15 year mortgage. Unlike you, I’m older, with younger kids. We’re looking at retirement coincident with college. There is no way I want a mortgage in that time frame.
You need to do something – you’re no good to your kids and wife if you stroke out. I see your options as:
– change your stress levels by adjusting your work load.
– take out very healthy sized long term disability insurance and life insurance – so if you do stroke out your family is still taken care of.
– change your stress levels by reassessing your finances.When you bought the house – did you think the mortgage that you took out was too big for your budget? Or did things change in the meantime? You planned on paying it on this schedule, what changed? The value of the underlying house is really irrelevant if you bought the house to live in – not as an investment.
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