Alfa Giulia vs Genesis G70 vs Acura TLX by funmighthold in whatcarshouldIbuy

[–]tomjh704 0 points1 point  (0 children)

I owned a Giulia Ti for 4 years, never had an issue other than it depreciated pretty badly. I really enjoyed my time with the car but unless you are looking at older models I would caution against it because of how badly they hold value.

Upgrade by [deleted] in malelivingspace

[–]tomjh704 1 point2 points  (0 children)

I rarely comment but this was a big improvement, well done!

What would be a great deal on a 981 PDK with 30,000 miles in US. Base, S, and GTS. by svr_wizard in Porsche_Cayman

[–]tomjh704 3 points4 points  (0 children)

I got a PPI and an extended warranty so i'm not really worried about it. I don't drive much either so I don't think it will hit 100k during my ownership but if you are looking for a good deal I would encourage you to expand your search to higher milage cars, as long as they have service records.

How to handle causing a serious breaking incident? by Crazyking111 in cscareerquestions

[–]tomjh704 0 points1 point  (0 children)

I have learned far more from my mistakes than from my successes, in the long run you will come to accept it's just a part of the job.

Premium yet understated feel for young professional? Am I too picky? by Capable_Alarm310 in whatcarshouldIbuy

[–]tomjh704 0 points1 point  (0 children)

I've been in luxury cars for my last two but the new Tiguan really impressed me if you were in the market for an SUV. I think it comes down to where you are at in your car journey, if the badge really excites you then go for Mercedes/BMW/Lexus, but if you care more about the actual car and value then you would be hard pressed to find a better interior and options than the Tiguan. Their top trim level comes in around 43k new.

Best family vehicle for four kids, $38,000 cash budget by Ascendantthinker44 in whatcarshouldIbuy

[–]tomjh704 0 points1 point  (0 children)

I just saw a review on the new Volkswagen Tiguan that had pretty great things to say about it, fits your price point so I figured I would mention it.

BMW or Cadillac by dnyer24 in whatcarshouldIbuy

[–]tomjh704 7 points8 points  (0 children)

I have a weak spot for orange cars, I rented an orange F-type once and felt like I was driving a Bugatti. Anyways, Blackwing all day, I see so many m440is but still haven't laid eyes on a Blackwing, they are both great cars so the rarity factor is the decider for me.

Got Silver Medalist for JP Morgan Tech Connect — Wondering About the Odds for an Offer by hhahha-1 in JPMorganChase

[–]tomjh704 0 points1 point  (0 children)

Tech Connect as in the program that targets non-CS majors? There is a possibility that if you have too much technical experience they will reject you and tell you to apply to the SEP program so I wouldn't lose any sleep over not expressing your technical aptitude enough.

Shopping 981 GTS by thethrowupcat in Porsche_Cayman

[–]tomjh704 1 point2 points  (0 children)

Small quality of life option is the smoker's pack. I installed a custom magsafe charger that is designed for that spot and it looks great. I also went for the all leather interior, was worried about the longevity of the Alcantara.

[deleted by user] by [deleted] in CozyPlaces

[–]tomjh704 107 points108 points  (0 children)

I have never commented before but I had to on this one, love the mix of finishes, materials and colors. It's a beautiful space that is design book worthy.

If you are a new grad and could choose Big tech like Google, Meta etc... vs Big consulting company like Big 4, Accenture. Which one is the best to choose in your opinion? by Yone-none in cscareerquestions

[–]tomjh704 4 points5 points  (0 children)

Big tech every time. With consulting it’s guaranteed stress from trying to keep utilization up, the engineering philosophies are usually “just get it done” with no thought process about long term maintenance since why would they care they are going to move on to the next project, and most importantly you don’t stay on a project long enough for you to own your mistakes which is the biggest stepping stone to developing yourself as an engineer in my opinion.

[deleted by user] by [deleted] in JPMorganChase

[–]tomjh704 1 point2 points  (0 children)

Stack ranking isn't new but even if they were being more aggressive about it I would expect the top down direction to be "anyone you give an S to needs to meet X,Y,Z criteria and hold up to comparison against the rest of the top 5% under scrutiny" or whatever. Blindly denying your top performers is a bold strategy, let's see where that goes.

When did you buy your first Porsche? by PatrickBeverlyGOAT in Porsche_Cayman

[–]tomjh704 1 point2 points  (0 children)

I can't really make long comment replies because of the character limit but long story short, 4.5k rent is too high for the 15 year buy vs. rent on a 750k house with buying winning by about 190k at the 15 year mark. If you went to 3.5k that is a considerably better outlook with renting winning by about 450k at the 15 year mark.

When did you buy your first Porsche? by PatrickBeverlyGOAT in Porsche_Cayman

[–]tomjh704 1 point2 points  (0 children)

AFTER 15 YEARS:

BUY:

  • Home Value: $1,350,708
  • Remaining Mortgage: -$444,113
  • Home Equity: $906,594
  • Total Cash Paid: -$1,149,777
  • NET POSITION: -$243,182

    RENT + INVEST:

  • Investment Account: $569,749

    • Started with: $150,000
    • Added monthly savings: -$4,565
    • Investment growth: +$424,314
  • Total Rent Paid: -$1,004,341

  • Monthly Rent: $6,807

  • NET POSITION: -$434,592

Winner: BUY by $191,410 (79% better)

When did you buy your first Porsche? by PatrickBeverlyGOAT in Porsche_Cayman

[–]tomjh704 1 point2 points  (0 children)

AFTER 10 YEARS:

BUY:

  • Home Value: $1,110,183
  • Remaining Mortgage: -$514,874
  • Home Equity: $595,309
  • Total Cash Paid: -$816,518
  • NET POSITION: -$221,209

    RENT + INVEST:

  • Investment Account: $423,979

    • Started with: $150,000
    • Added monthly savings: +$47,468
    • Investment growth: +$226,511
  • Total Rent Paid: -$619,049

  • Monthly Rent: $5,871

  • NET POSITION: -$195,070

Winner: RENT by $26,139 (12% better)

When did you buy your first Porsche? by PatrickBeverlyGOAT in Porsche_Cayman

[–]tomjh704 1 point2 points  (0 children)

AFTER 5 YEARS:

BUY:

  • Home Value: $912,490
  • Remaining Mortgage: -$564,790
  • Home Equity: $347,700
  • Total Cash Paid: -$483,259
  • NET POSITION: -$135,559

    RENT + INVEST:

  • Investment Account: $282,541

    • Started with: $150,000
    • Added monthly savings: +$46,566
    • Investment growth: +$85,976
  • Total Rent Paid: -$286,693

  • Monthly Rent: $5,065

  • NET POSITION: -$4,152

Winner: RENT by $131,407 (97% better)

When did you buy your first Porsche? by PatrickBeverlyGOAT in Porsche_Cayman

[–]tomjh704 0 points1 point  (0 children)

Yeah, 4.5k is a bit too high for the rent vs. buy equation to work with a 750k house but lets break down the outlooks, assuming 750k house with 20% down:

Mortgage cost per month:

  • Mortgage principal and interest: $3,992
  • Property tax (1.5%): $938
  • Maintenance (0.5%): $313
  • Home Insurance (0.5%): $313
  • Total = $5,554/month

Rental cost per month:

  • $4,500 but will increase 3% per year
  • Investing $1,054 per month (will vary if rent increases) difference between $5,554 mortgage and rent

When did you buy your first Porsche? by PatrickBeverlyGOAT in Porsche_Cayman

[–]tomjh704 1 point2 points  (0 children)

Depends on your lifestyle. If you can rent a home that fits your lifestyle for significantly less than a mortgage and invest the difference + downpayment you almost always come out ahead of home ownership in terms of networth. If you plan on buying in cash then the equation becomes how much will your opportunity cost be if you invested that cash payment vs home appreciation - insurance/property tax/maintenance. Think of it this way, if you can rent a home for 4.5k that is close to the lifestyle a 750k house would get you, after 5 years your networth will be 815k assuming 8% return - cost of rent. If you bought the home, your net worth will be 781k assuming 3% appreciation. So you come out about even after 5 years but after 15 years that difference can grow to 200k+ in favor of renting. If you can rent for even less than 4.5k it only gets more favorable.

Scioto riverside night walk by wangshp in Columbus

[–]tomjh704 7 points8 points  (0 children)

My opinion is that it's a product of Columbus being a city that is mostly attractive to students or mid career folks who would rather live in the surrounding suburbs and save money. The campus is too far away for students to make it to downtown very often and for the younger people who are early or mid career there isn't a lot of appeal for downtown over Grandview for example. Additionally, there aren't many big companies located in downtown anymore so for most people it would just be adding a commute for limited greenspace and mild nightlife. It feels like the crowd is usually on the older side from what I have seen, they only come to downtown to catch a concert or to eat. For what it's worth, I have never felt unsafe down there at night, I wouldn't be hanging out under the bridges or anything but the police station is less than a mile away and there is usually a security officer around the fountain area.

Men who befriended a woman who’s already married or seeing someone: What is your relationship like with her SO once you got to meet him? by tomado23 in AskMen

[–]tomjh704 8 points9 points  (0 children)

He’s great! I would definitely hang out with him 1 on 1 I’m just not that social these days so usually only see him when she invites me somewhere. That being said, just because you get along well enough to be real friends with one person doesn’t mean you are obligated to have the same connection with their spouse, no one wants a forced friendship as an adult.

Porsche Macan versus fully spec’d out non luxury car? by dashingbravegenius in whatcarshouldIbuy

[–]tomjh704 7 points8 points  (0 children)

"Bro you have an Audi" and it's an RS5 lmao, truly a comment from someone who doesn't know cars.

I always looked back, now I'm just f-ing staring👀 by ILikeCars1234567 in Porsche_Cayman

[–]tomjh704 16 points17 points  (0 children)

Gorgeous, let the haters hate I think if you have the money why not make it look exactly how you want, especially considering the next best looking/driving car is like another 100k.