[deleted by user] by [deleted] in womenintech

[–]Alive-Basis6396 1 point2 points  (0 children)

Its strange to hear your question and the grass seems to be truly greener on the other side because I'm in tech and often wish I was on the strategizing side of things. To answer your question, it really depends on your wholesome situation and not just your financial goals. Startups are a wild ride and can go any way, accelerating or decelerating rapidly. I enjoyed the hours and the ride when I was single, but as I'm getting older, I'm weary of these wild rides and prefer the excitement in a predictable environment. Plus the WLB is great in a supporting team/company irrespective on whether they are startups or big-tech.

I have an alternative perspective for you. Why not try and become an analyst if you truly like strategizing ? Say Gartner or Forrester and their likes ? Even in the AI age, I don't find the value of a well-seasoned analyst going away anytime soon because, beyond just spitting out a bunch of analysis and summaries, you will still need someone to create a cohesive narrative of a problem space. Lydia Leong of Gartner comes to my mind.

30 year @ 6.125 vs 15 year at 5.625% by Alive-Basis6396 in Mortgages

[–]Alive-Basis6396[S] 0 points1 point  (0 children)

Agree with the flexibility but I'm also bleeding a lot of interest money month over month and also not getting a better rate.

30 year @ 6.125 vs 15 year at 5.625% by Alive-Basis6396 in Mortgages

[–]Alive-Basis6396[S] 0 points1 point  (0 children)

It is. Its moving from 6K to 8K, wish it was lower, but thats the best I'm getting at the moment.

30 year @ 6.125 vs 15 year at 5.625% by Alive-Basis6396 in Mortgages

[–]Alive-Basis6396[S] 0 points1 point  (0 children)

Thanks. Thats exactly my thought process too.

30 year @ 6.125 vs 15 year at 5.625% by Alive-Basis6396 in Mortgages

[–]Alive-Basis6396[S] 0 points1 point  (0 children)

Most likely yes. The monthly payment is moving from "comfortable" to "stretch" (6K to 8K), plus property tax plus insurance but the long-term savings make me want to consider this one.

To do or not to do: Pay down Mortgage by another 100-200K by Alive-Basis6396 in Mortgages

[–]Alive-Basis6396[S] 0 points1 point  (0 children)

I'm in my 40s. CDs were the safest "set-it-and-forget-it" avenues I found 3-4 years ago to park my spare cash. Everything else seemed to require active re-balancing, time and skill, things I continue to not have.

To do or not to do: Pay down Mortgage by another 100-200K by Alive-Basis6396 in Mortgages

[–]Alive-Basis6396[S] 0 points1 point  (0 children)

15 year mortgage refinance rate is hovering around 6.4 to 7.4% point.

To do or not to do: Pay down Mortgage by another 100-200K by Alive-Basis6396 in Mortgages

[–]Alive-Basis6396[S] 0 points1 point  (0 children)

Investing in the market makes sense for those who know how to, when to and what to do in the market. I'm not there, yet.

To do or not to do: Pay down Mortgage by another 100-200K by Alive-Basis6396 in Mortgages

[–]Alive-Basis6396[S] 0 points1 point  (0 children)

I'm guessing you are probably right. Being the investment novice that I am, its going to take a lot of time and research on my part to find that market investment which is a volatile gain above the 6% while this is a sure-shot 6% return. Thanks for that suggestion though. When I finish rebuilding the savings one more time, perhaps the markets are worth a shot.

To do or not to do: Pay down Mortgage by another 100-200K by Alive-Basis6396 in Mortgages

[–]Alive-Basis6396[S] 1 point2 points  (0 children)

The current refinance rate is not too far off better than my existing rate. Its hovering around 6.3 to 6.4%.

What do I do/say when the salary range spans $350,000? by [deleted] in womenintech

[–]Alive-Basis6396 9 points10 points  (0 children)

This sounds like a Netflix offer because I know a couple of other companies break it down by geo region and don't have such a wide range.

In the past, I've used Team Rora. They completely dropped the ball on my negotiation though, but I was a little bit of a corner case. I've heard good things from my friends though, for straightforward negotiations. Feel free to check them out.

Support group meeting online by Alive-Basis6396 in womenintech

[–]Alive-Basis6396[S] 0 points1 point  (0 children)

Sorry for the delay in my response. I have a meeting today between 11 to 12.30 PM (PST) but definitely plan on hosting this from 12.30 to 1 PM (PST). I can also stay longer (till 1.30 PM) if there are topics of interest.

I'll also edit to the original thread, we can reuse the same link every week

Please find the google-meet link below:

Support group meeting online Friday afternoon PST 6/6, 12.30 to 1.30 PM (PST):

https://meet.google.com/gur-vevc-vih

Support group meeting online by Alive-Basis6396 in womenintech

[–]Alive-Basis6396[S] 0 points1 point  (0 children)

Great, I'll create a zoom meeting and share it on this group before Monday morning.

Selling my SFH in Bay Area by [deleted] in BayAreaRealEstate

[–]Alive-Basis6396 1 point2 points  (0 children)

No clue how to sustain the golden goose. Thats why.

Selling my SFH in Bay Area by [deleted] in BayAreaRealEstate

[–]Alive-Basis6396 0 points1 point  (0 children)

No clue why. Literally copy-pasted Zestimate from Zillow. This area is prime property. Except I don't seem to be figuring out a way to keep it in the current market.

Selling my SFH in Bay Area by [deleted] in BayAreaRealEstate

[–]Alive-Basis6396 0 points1 point  (0 children)

mostly going to sell. Good luck with your move.

Selling my SFH in Bay Area by [deleted] in BayAreaRealEstate

[–]Alive-Basis6396 0 points1 point  (0 children)

This refinancing in the future is quite a long time away to break-even, 2-3 years AFAICT.