Search found 1357 matches

Return to advanced search

Re: Thanking of mid career shift

As some who recently made the shift from consulting to industry, Ruby is right when they say it's a significant cultural shift. Less go getters, less dinners, less travel, less fancy hotels, less busy, less responsibility, less control, slower promotion process, smaller raises, and overall different...
by XtremeSki2001
Wed Dec 17, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thanking of mid career shift
Replies: 6
Views: 1493

Re: Different Experience With TSA Pre-Check

Oh, it isn't THAT bad. Usually, the TSA people are able to wave you past the "newbies" - I haven't found them to be a nuisance. Besides, it isn't the ones who pay for TSA Pre-Check who are the holdup - it is those who are selected even though they haven't applied for it and don't know wha...
by XtremeSki2001
Fri Dec 12, 2014 7:20 pm
 
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 2812

Re: Different Experience With TSA Pre-Check

The priority line is for customers flying first class as well as frequent flyers (and there other other programs providing priority access). Something doesn't sound right here. These terrorists are well financed and would just fly first class if that would help them get through the security checks ...
by XtremeSki2001
Thu Dec 11, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 2812

Re: Different Experience With TSA Pre-Check

I don't think the TSA are airline employees or are necessarily influenced by the airlines. I've often wondered why they even have a frequent flyer line. Perhaps it is a bit of profiling - frequent flyers are less of a risk? You're right. TSA operates independent of the airlines (e.g., they're not e...
by XtremeSki2001
Thu Dec 11, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 2812

Re: Why did you quit your job?

Was offered a full-time position after an internship in college. It was a contractor position. I was worried about growth, upwards mobility, and job security since I would not technically be an employee. I left for a full-time position that was not contracting. First job out of college I was naive. ...
by XtremeSki2001
Thu Dec 11, 2014 8:21 am
 
Forum: Personal Consumer Issues
Topic: Why did you quit your job?
Replies: 37
Views: 4242

Re: East Coast trip with kids (NYC, Boston, Washington?)

Thinking about making a trip to 1-2 major east coast cities with family, probably this coming June. We're in the midwest, would likely fly in, spend maybe a week on this trip. Me, DW, and 3 kids, ages (currently) 15, 13, 9. In theory we could do the whole trip in/around NYC, but might also combine ...
by XtremeSki2001
Thu Dec 11, 2014 8:09 am
 
Forum: Personal Consumer Issues
Topic: East Coast trip with kids (NYC, Boston, Washington?)
Replies: 23
Views: 1586

Re: Different Experience With TSA Pre-Check

Same thing happens to me at smaller airports (for me it's ICT). Larger airports like PHL, this happens less frequently, but may occur if I arrive early (5am) or late at night (10-11pm) as they generally need dedicated staff to run the TSA pre-check process.
by XtremeSki2001
Thu Dec 11, 2014 7:54 am
 
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 2812

Re: Inner-directed or Outer-directed

If you want to look good in your eyes and others around you just put $5000 in a money clip in your pocket. I've found that "Inner-directed" people are usually happier than "outer-directed" people." Best wishes. Taylor Doesn't this imply the OP is buying the watch for status...
by XtremeSki2001
Mon Nov 24, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 13973

Re: Bogleheads, anyone doing "Black Friday"

I am doing Black Friday, but only to buy beer that happens to be released on Black Friday. It is very good and worth the effort (Goose Island Bourbon County Stout).
by XtremeSki2001
Mon Nov 24, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 5685

Re: 23 year old... Can I afford a Rolex?

I bought a replica Rolex GMTII for ~$350. No one can tell the difference. I didn't get a real one because of the cost and because I only like the look (don't really care or appreciate the intricacies of the watch). After owning it for 5 years, it's been beat up a good bit. Not sure if I would be oka...
by XtremeSki2001
Mon Nov 24, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 13973

Re: Buying my first property

My main goal is not learn all about real estate and investing in rental properties. I am more interested in learning about mortgages, first time home purchases and just learning about the whole process of getting a mortgage. Thanks :) Starting out I read home buying for dummies. Thought it provided...
by XtremeSki2001
Wed Nov 19, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying my first property
Replies: 3
Views: 563

Re: Affording a 1.3 million home?

Yep both working and plan to after kids. We will have to pay for babysitting Everyone has given you great advice, but a word of caution - revisit buying a house once you've had a child. We bought a house before we had kids and bought on the assumption we'd both continue to work. My DW had a change ...
by XtremeSki2001
Wed Nov 19, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording a 1.3 million home?
Replies: 122
Views: 18884

Re: How To Invest Your Emergency Fund?

Here's my strategy (we have low expenses, so this is really about 5 months of necessary expenses for us): [snip} 3. $1,000 is in an HSA. We have spent more than this on medical expenses this year, so we could withdraw it if needed. 4. $6,000 is in three PenFed 5 year CDs (3%, but a big penalty for ...
by XtremeSki2001
Wed Nov 19, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 97
Views: 14252

Re: Healthcare FSA - expecting, due in July

Okay, so estimate now how much you'll need to set aside to avoid the problem you're talking about. Then add more after the birth. My point is that in this situation, you can be conservative now and still not lose anything in the end. +1. IMO this is the best way to approach it. Most deliveries are ...
by XtremeSki2001
Wed Nov 19, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Healthcare FSA - expecting, due in July
Replies: 17
Views: 1534

Re: How To Invest Your Emergency Fund?

We plan to put our emergency fund in our ROTH IRA (currently not funded for FY14) and select an appropriate investment based on our risk appetite. We can access our contributions at any time without penalty.
by XtremeSki2001
Wed Nov 19, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: How To Invest Your Emergency Fund?
Replies: 97
Views: 14252

Re: Healthcare FSA - expecting, due in July

Congrats. My DW went through a cesarean section for both our children. First time was a small co-pay (DW has awesome insurance) and second time we paid close to $3k out of pocket (My insurance is not so great). Keep in mind a cesarean will cost more than natural because of the additional time you sp...
by XtremeSki2001
Wed Nov 19, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Healthcare FSA - expecting, due in July
Replies: 17
Views: 1534

Re: Advice Needed: Unique Situation At workplace

Isn't part of the pervasive problem, at least outside of professional services/consulting, that people are promoted on the merits of being effective executors? They start at the bottom and effectively move up the chain by executing proficiently and then, at some point, are expected to become strong ...
by XtremeSki2001
Wed Nov 19, 2014 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Unique Situation At workplace
Replies: 28
Views: 3968

Re: Advice Needed: Unique Situation At workplace

My own personal experience is that good employees outlast bad managers. Managers are a dime a dozen and move on at a great rate. The other advice I have gleaned is that if you can't stand a bad manager the only real choice is to find a way to move. You might even be surprised how often the places y...
by XtremeSki2001
Mon Nov 17, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Unique Situation At workplace
Replies: 28
Views: 3968

Re: When do you know it is time to switch jobs?

I've been looking at job ads and have noticed that many many jobs in this field are listed by headhunting firms and many jobs are contract positions. It seems that companies are increasingly outsourcing their IT needs these days. A recruiter is helpful (not via a job abs). Are you on LinkedIn? I fo...
by XtremeSki2001
Sun Nov 16, 2014 6:16 am
 
Forum: Personal Consumer Issues
Topic: When do you know it is time to switch jobs?
Replies: 37
Views: 4458

Re: Boglehead Beer

PS Founders Breakfast Stout is on the menu for tonight. What a great beer! One of the best stouts out there. Next on my list is Dogfish 120 Minute. Snagged two bottles to celebrate the birth of my second son with my father (as we did with my first son). Will be enjoying it to kick off Thanksgiving ...
by XtremeSki2001
Sat Nov 15, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 414
Views: 54956

Re: Pensions, 401k, and Emergency Fund Investments

I don't know it off the top of my head, but it's less than 25% given our deductions/dependents, etc Sounds like you are thinking of tax as a percentage of your income rather than your tax bracket. They are not the same. Check out this site for the difference. Also, to get your tax bracket, compare ...
by XtremeSki2001
Fri Nov 14, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pensions, 401k, and Emergency Fund Investments
Replies: 17
Views: 1268

Re: Pensions, 401k, and Emergency Fund Investments

Thanks all for the responses. Very helpful and comforting. I think in your tax bracket (15%, correct?) .... I suspect this poster is in the 25% bracket with an income of $120k and married. I don't know it off the top of my head, but it's less than 25% given our deductions/dependents, etc. Can I add ...
by XtremeSki2001
Fri Nov 14, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pensions, 401k, and Emergency Fund Investments
Replies: 17
Views: 1268

Re: When do you know it is time to switch jobs?

I've been looking at job ads and have noticed that many many jobs in this field are listed by headhunting firms and many jobs are contract positions. It seems that companies are increasingly outsourcing their IT needs these days. A recruiter is helpful (not via a job abs). Are you on LinkedIn? I fo...
by XtremeSki2001
Fri Nov 14, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: When do you know it is time to switch jobs?
Replies: 37
Views: 4458

Pensions, 401k, and Emergency Fund Investments

Hi, Hope everyone is doing well. A few questions for the group below. Quick background, early 30's, two kids, earning $120k (pre-tax) a year. Thank you for any help in advance. 1. Between my 401k and DW 403b we have $75k, currently contribute 6% w/ a 4.5% match. We're behind where we'd like to be. H...
by XtremeSki2001
Thu Nov 13, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pensions, 401k, and Emergency Fund Investments
Replies: 17
Views: 1268

Re: When do you know it is time to switch jobs?

Thanks for the information. It doesn't sound like this is for me. I thought it would be more stable than IT (although it generally pays less starting out). I'm not sure a 40 something entry level accountant would be in demand (which is the age that I would be by the time I would obtain an Accountin...
by XtremeSki2001
Thu Nov 13, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: When do you know it is time to switch jobs?
Replies: 37
Views: 4458

Re: Boglehead Beer

Four years later and I am still interested in flavored porters and stouts--chocolate and coffee. May I suggest you try Southern Tier Brewings Choklat (chocolate stout) or Mokah (chocolate and coffee stout)? I also recommend Dog Fish Head's World Wide Stout and Victory's Storm King. All recommendati...
by XtremeSki2001
Thu Nov 13, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 414
Views: 54956

Re: When do you know it is time to switch jobs?

HornedToad - Does Accounting normally require long hours? I heard that tax season requires long hours but not the rest of the year although I am sure this depends on the company. I am a little burned out and can use a vacation. :) Not sure your age or location, but accounting can be relatively lucr...
by XtremeSki2001
Wed Nov 12, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: When do you know it is time to switch jobs?
Replies: 37
Views: 4458

Re: Messy baby restaurant etiquette

My question is how do others approach the mess that is inevitably created when we let him feed himself at a restaurant? We can't give him a plate because it will go flying. Food typically gets smeared on the table, high-chair and floor. We plan to get some type of sticky placemat to help keep the t...
by XtremeSki2001
Wed Nov 12, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4789

Annual Retirement Plan Check-up

Hi All, It's been a while since I reviewed our financial position. In fact, the last time I reviewed it may have been 2+ years ago. A lot of changes since then (paid off a lot of student loans, bought a home, had children). Would love to get some feedback / input on where we are. According to Millio...
by XtremeSki2001
Wed Nov 12, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Annual Retirement Plan Check-up
Replies: 1
Views: 496

Re: Boglehead Beer

Drank an original w00t stout from Stone last night, aged about a year, was pretty excellent. Saved half for tonight. Very nice. W00t stout is quality. My favorite stout is Goose Island's Bourbon County Stout, which will be out in a few weeks. However, at ~$25/4 pack (2013 pricing) I can't imagine m...
by XtremeSki2001
Wed Nov 12, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 414
Views: 54956

Re: Security Systems

Having searched on this topic last week a lot of Bogleheads recommended SimpliSafe. It's a DIY product. I guess it depends what you need it for, but SimpliSafe appears to address the most basic security needs.
by XtremeSki2001
Mon Oct 27, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Security Systems
Replies: 10
Views: 1126

Re: Career Advice for an Unhappy Young Doctor?

What does she want out of her career that she's missing? Does she have enough experience to know what she wants? She spent the last 12+ years working towards her goal of being a doctor and she wants to quit after working less than 12 months in her role. Something is out of place. Sounds like she nee...
by XtremeSki2001
Mon Oct 27, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice for an Unhappy Young Doctor?
Replies: 116
Views: 13607

Re: Home Depot Warranty not honored

We have a problem with our refrigerator we bought from Lowes and they replace it if it can't be fixed after three repair attempts.

I suggest going into the store where you bought it and get them to assist you. Involve the GM if needed.
by XtremeSki2001
Thu Oct 16, 2014 5:47 am
 
Forum: Personal Consumer Issues
Topic: Home Depot Warranty not honored
Replies: 27
Views: 3407

Re: Cleaning Up Leaves

I bought a lawn mower with a bagger. I just bag them up and dump them in the back (we have an area we use as a compost). If I was challenged for space, I might be inclined to burn them or just mulch them with my mower (sans bag).
by XtremeSki2001
Mon Oct 13, 2014 11:34 am
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3454

Re: Wife Expecting, Down to One Income Source

Staying the course is great as long as you have a course - reading your response I wonder is it: (1) stay at home for 7 years ? (2) back to work for 5 days/week starting in January (3) back to work for 7 days/week starting in January or (4) back to work for 2 days/week starting in January Thought t...
by XtremeSki2001
Fri Oct 10, 2014 6:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 9062

Re: Wife Expecting, Down to One Income Source

Reduced my monthly investment savings substantially today. My wife and I are expecting which is terrific news, but kind of bumbed at the economic implications. Any stories out there of moving to one income source and making it work! Went from maxing two IRAs and nearly maxing my 401k (she doesn't h...
by XtremeSki2001
Thu Oct 09, 2014 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 9062

Re: Real life windfall experiences?

Received a six figure windfall recently. Most important was using the money in a way the person who left it to me would approve. We used it for a few things: - Larger down payment on a home, thus enabling my wife to stay home to raise our children. - Paid off student loans where the interest rate wa...
by XtremeSki2001
Tue Oct 07, 2014 7:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Real life windfall experiences?
Replies: 23
Views: 4510

Re: Those under 35 with a child 5 or under: Costs of child?

I am trying to wrap my head around exactly how much raising a child costs these days. I'd appreciate info on how much you spend roughly every month on your children. I'm interested in direct costs (diapers, clothes, etc) and also indirect costs (the choice to buy a larger car or move to a larger re...
by XtremeSki2001
Thu Oct 02, 2014 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4729

Re: What Book Are You Currently Reading? Part V

The Millionaire Next Door by Thomas J. Stanley
by XtremeSki2001
Wed Sep 17, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1233085

Re: How would you handle this situation ?

I think this happens often, but not to this extent. My group of friends will sometimes have outings, which may require going to a concert or to a casino for the night, etc. We usually don't go if the cost is too high and it's not something we're passionate about. However, sometimes the value of spen...
by XtremeSki2001
Fri Sep 12, 2014 10:59 am
 
Forum: Personal Consumer Issues
Topic: How would you handle this situation ?
Replies: 33
Views: 2697

Re: Cruise Around the World

Never been on a cruise, but have travelled for extensive periods of time during my career/personal time. Often times to one location for 5+ weeks. I suggest doing a longer cruise, maybe 27 days like the previous poster, and see how you feel especially if you haven't travelled extensively in the past...
by XtremeSki2001
Wed Sep 10, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Cruise Around the World
Replies: 14
Views: 1527

Re: The daddy of all grill islands

TRC wrote:No island, but I have a webber genesis that is bulletproof and love it.


Love my Genesis. It's a beast. I get comments every time we have friends over.
by XtremeSki2001
Wed Sep 10, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: The daddy of all grill islands
Replies: 35
Views: 2898

Re: Visit to SFO Area - Dining

Rogue Brewery/Pub is a few blocks from the Wharf. It's a company based in Oregon but has good food, good beer, cool place. Probably can keep it under $100 for the two of you unless you get carried away with the beer. Otherwise, Yelp is your friend.
by XtremeSki2001
Wed Sep 10, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: Visit to SFO Area - Dining
Replies: 14
Views: 1124

Re: Issues with home inspector?

Inspector actually returned my call within a few hours (probably because of the e-mail I sent my realtor). I was very friendly and cordial and we walked through my concerns. He stuck to his guns and said a lot can happen in a year and when he inspected it he didn't noticed any problems that I mentio...
by XtremeSki2001
Fri Sep 05, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Issues with home inspector?
Replies: 24
Views: 1194

Re: Issues with home inspector?

The most expensive problems tend to be lurking in walls and under shingles, etc. How does a buyer discover these issues? I guess I don't know enough about the specialized inspection process and assumed they could uncover these lurking things better than a general home inspector. How would the issue...
by XtremeSki2001
Fri Sep 05, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Issues with home inspector?
Replies: 24
Views: 1194

Re: Issues with home inspector?

Did you receive any type of homeowner's warranty from the seller when you purchased? Not saying they are very helpful. We have had them in several houses and both times they were totally worthless. And to even start the process you have to pay to have someone look at the problem, so ask LOTS of que...
by XtremeSki2001
Fri Sep 05, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Issues with home inspector?
Replies: 24
Views: 1194

Re: Salary Info double standard?

This application process, in my opinion, is evidence the employer may not pay competitively I don't agree - it is evidence that the company is fiscally responsible and doesn't want to waste your time or theirs unnecessarily. I've used this question myself in hiring. If the most I can pay is X for c...
by XtremeSki2001
Fri Sep 05, 2014 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4310

Re: Issues with home inspector?

Many states require a Seller's Disclosure form, which describes the homes condition and/or lists any known defects. It appears you are in Pennsylvania, and a quickie Google indicates such Seller Disclosures are the law there. http://www.nolo.com/legal-encyclopedia/pennsylvania-home-sellers-disclosu...
by XtremeSki2001
Fri Sep 05, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: Issues with home inspector?
Replies: 24
Views: 1194

Re: Issues with home inspector?

What sort of paperwork did you sign when you contracted with the home inspector? Read it carefully because their liability is often limited to the price you paid for the home inspection. You might get your $500 back. Yes - says it's limited to $500. If I could get that back it would be a start. How...
by XtremeSki2001
Fri Sep 05, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: Issues with home inspector?
Replies: 24
Views: 1194

Issues with home inspector?

All, Wanted to get your input as I suspect many of you have had experience in this area. I bought a house in May of 2013 and paid ~$500 for a home inspector prior to closing. The inspector was recommended by our realtor (who we had a great experience with) and we independently validated them by look...
by XtremeSki2001
Fri Sep 05, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Issues with home inspector?
Replies: 24
Views: 1194
Next

Return to advanced search