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Re: Job Offer Negotiation / Interview Snafu

I agree about waiting until after the offer. I always wonder about people who ask this question-- why are they asking this? Are they just going to come here and slack? I'm not sure that is a snafu, actually. Post-offer, you can probably get this type of information. But I think you have to be caref...
by yosef
Tue Mar 04, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 174
Views: 14993

Re: To Refinance or Not to? Newbie advice Wanted

You should be able to get some ideas of closing costs from Google, but I think it's safe to say it will be > 1% of the loan amount. They can and usually are rolled into the mortgage, but these costs will give you a good idea of how long it will take you to break even. And yes, the amortization sched...
by yosef
Tue Feb 11, 2014 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: To Refinance or Not to? Newbie advice Wanted
Replies: 20
Views: 812

Re: Thoughts on Emergency Funds

Failing some ridiculously high interest debts as posited above, I would never drop my EF to anywhere near $1k just to pay off debt. My thinking on this matter is to consider which you would prefer to have if you lost your job tomorrow, the debt or the money? I've been debt-free (aside from mortgage)...
by yosef
Mon Feb 10, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Emergency Funds
Replies: 16
Views: 1513

Re: Layed off and now retiring. Need advice...

Since no one has yet suggested it, I'd say to read The Bogleheads Guide to Investing. And check out the wiki for additional recommendations, but the Bogleheads guide in particular will give you a strong introduction to the philosophy and reasoning behind using index funds. Selling out of some of the...
by yosef
Sun Feb 09, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Layed off and now retiring. Need advice...
Replies: 65
Views: 7329

Re: Doing a new job at work at not getting paid for it

Refusing to do the job is not going to win you any points. I think you need to look at the situation objectively and ask yourself why they are so hesitant to bring you in. If you really are qualified, and there is internal politics or some other thing holding you back at this particular company, I'd...
by yosef
Sun Feb 02, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing a new job at work at not getting paid for it
Replies: 27
Views: 2093

Re: Company Phantom Stock - Are We Making a Sound Decision?

I'm not at all familiar with that type of plan, but I'm assuming from what you wrote that you will pay taxes at your marginal rate regardless of how long you hold this position, is that true? If so, I think you're definitely doing the right thing. The fact that the company can stop you from cashing ...
by yosef
Sat Feb 01, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company Phantom Stock - Are We Making a Sound Decision?
Replies: 21
Views: 1227

Re: What is your definition of "Wealthy?"

I realize that the question seeks to address the "psychological" aspects of whether people feel wealthy, but I also think it makes no common sense, considered objectively in terms of dollars, to assert that a household with access to $300,000 per year is actually less well off, and has fe...
by yosef
Sat Feb 01, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is your definition of "Financially Wealthy?"
Replies: 110
Views: 9657

Re: To Keep Renting or Buy First Home?

I agree with everyone else; you simply don't have anywhere close to enough savings to consider buying a home. You can't really afford a $240k house. You have practically no downpayment so you'd be stuck doing nearly 100% financing, PMI....yuck. Even if you had the cash with your uncertain time horiz...
by yosef
Mon Jan 27, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: To Keep Renting or Buy First Home?
Replies: 12
Views: 1195

Re: SUV Vs Sedan

Plus for SUV (which can also be disadvantages of SUV's if you have a different preference/lifestyle): - Some find it easier to load kids of all ages - Space to carry kids sports/activity paraphernalia - Some prefer riding higher above the road - Space to buy big items at Costco or home improvement ...
by yosef
Sun Jan 26, 2014 7:29 pm
 
Forum: Personal Consumer Issues
Topic: SUV Vs Sedan
Replies: 50
Views: 3571

Re: Should my son pay me rent, utilities, etc...?

Your son sounds a lot like the twin sons a neighbor of mine has. They are 22 or 23 now, and have absolutely no plan to launch their lives. They are not bad kids, and my neighbors are not bad parents aside from letting their kids languish at home. They were not advised to attend a 4 year college, the...
by yosef
Thu Jan 16, 2014 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should my son pay me rent, utilities, etc...?
Replies: 124
Views: 10022

Re: Dumb Mac Question [Adobe reader problem]

Just out of curiosity, why Adobe Reader rather than just using the Preview PDF viewer that's already part of OSX? Bob +1000 I have never installed Adobe Reader on any Mac, and I don't understand why anyone would. Flash is the last foothold Adobe has on my system, and hopefully that can be expunged ...
by yosef
Mon Jan 13, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Dumb Mac Question [Adobe reader problem]
Replies: 30
Views: 900

Re: Is it time for me to find a new job?

Putting aside the question of whether you should change employers, are you sure you really want to be managing people, or are you simply looking to that path to increase your earnings? It sounds like you're a coder, and in my experience the intersection of people with the desire and aptitude to both...
by yosef
Wed Jan 01, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to find a new job?
Replies: 33
Views: 3858

Re: How to respond to request for current salary in an inter

I think everyone acknowledges that it's important to ensure that the parties are not wasting one another's time. But why do people feel it's ok to ask your current salary to determine that? Doesn't the question "What is your target salary?" accomplish the same goal? To the poster who said ...
by yosef
Fri Dec 13, 2013 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond to request for current salary in an interview
Replies: 113
Views: 7221

Re: Roth IRA for emergency fund?

What kind of rate can you get in the MMF? Is it really any higher than a high yield savings account?
by yosef
Sat Oct 19, 2013 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for emergency fund?
Replies: 20
Views: 1937

Re: To rollover or not to rollover 401k?

placeholder wrote:
Steelersfan wrote:Check with the HR department of your new company. Although some companies allow you to roll old 401k accounts into their plan, many (most?) do not.

I've never heard that. Almost any takes another 401(k) in.


Plans that allow you to roll assets in are somewhat rare in my experience also.
by yosef
Mon Sep 30, 2013 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - please help w diversification of total portfolio
Replies: 15
Views: 1038

Re: To rollover or not to rollover 401k?

I have a single Rollover (Traditional) IRA that I have rolled several old 401k plans into. In my mind doing so is a good move because a) it reduces the number of accounts you have to keep up with (after the first at least) and more importantly b) you will have access to a lot more investment choices...
by yosef
Mon Sep 30, 2013 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - please help w diversification of total portfolio
Replies: 15
Views: 1038

Re: 401(k) dilemma. Is an index fund the best choice?

I'm very much a novice myself, but I think your categorization of "stock funds" is much too broad. An S&P 500 index fund is a large cap fund. You're comparing that with small and mid cap funds. Apples and oranges.
by yosef
Thu Aug 29, 2013 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) dilemma. Is an index fund the best choice?
Replies: 51
Views: 3987

Re: Need advice on how to allocate my savings/investment mon

I would argue that without a substantial taxable account to draw on, 3 months is not enough of an EF, particularly with you and your spouse employed by the same company. I think 6 months in cash should be a minimum. If you don't have enough cash flow to fully fill your tax deferred space and still b...
by yosef
Mon Aug 19, 2013 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on how to allocate my savings/investment money
Replies: 5
Views: 533

Re: Are these fees too high?

Fidelity has a pretty good number of very low cost funds you could move into. Take a look at their Spartan funds. Even if you wind up changing brokers eventually, you should be able to sell out of those high cost funds into index funds tomorrow at Fidelity.
by yosef
Wed Aug 14, 2013 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are these fees too high?
Replies: 64
Views: 3721

Re: Ever Filed Civil Suit against Neighbor?

I agree that at this point you either have to suck it up, or hold the township's feet to the fire on enforcing their own laws. Nothing good will come of a lawsuit.
by yosef
Wed Aug 14, 2013 1:55 pm
 
Forum: Personal Consumer Issues
Topic: Ever Filed Civil Suit against Neighbor?
Replies: 82
Views: 4398

Re: roth question?

currently I am 32 YO and have 50 grand in a vanguard roth ira. the entire balance is invested in the target retirement 2045 fund. Should i allocate more money towards other funds? The Vanguard TR funds are good funds that actually invest in 3 other funds internally (Total Stock, Total Bond, Total I...
by yosef
Sun Aug 11, 2013 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: roth question?
Replies: 5
Views: 258

Re: Buying a new car vs leasing

Hi forum, I am considering the purchase of a new or certified pre-owned car or leasing perpetually. At the moment, I drive a 10-11 year old car (almost 100K miles). It hadn't been giving me trouble until recently. Stuff has started to fall apart. The repair costs are starting to make me feel like I...
by yosef
Mon Jul 29, 2013 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new car vs leasing
Replies: 61
Views: 5832

Re: Expensive repairs on an old car. Opinions?

Wait and see what the repairs will be, and then decide between options 1 and 2. Option 3 IMO is a bad idea because either of those components failing will strand you, and then you'll have to find something new in a hurry, which could cost you.
by yosef
Mon Jul 22, 2013 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Expensive repairs on an old car. Opinions?
Replies: 76
Views: 2667

Re: Holy Geico Batman!

Been with Geico 15 years, and always had great service. They even reduced our premiums by forgiving an accident my wife had about 2 years before it would have otherwise dropped off for "being a loyal customer".
by yosef
Mon Jul 22, 2013 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Holy Geico Batman!
Replies: 38
Views: 4430

Re: Do the majority of people pay their Credit Card bill onl

I'm the opposite. I'd rather push the money so I'm totally in control of the entire transaction. I guess but for variable bills "pushing" the payment requires manual intervention on your part, which is definitely not worth it IMO. Fully automated >> somewhat automated. I disagree. The man...
by yosef
Mon Jul 22, 2013 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do the majority of people pay their Credit Card bill online
Replies: 117
Views: 6735

Re: Do the majority of people pay their Credit Card bill onl

Exactly. For about a dozen years or more. I have each company PULL their 100% monthly payment from my checking. Much better IMO than PUSHING payments from bank. Never one problem. I'm the opposite. I'd rather push the money so I'm totally in control of the entire transaction. Brian I guess but for ...
by yosef
Mon Jul 22, 2013 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Do the majority of people pay their Credit Card bill online
Replies: 117
Views: 6735

Re: What's your budget look like?

Savings: ~30%
Spending: the rest.

I have given up on partitioning the second category any more than that. What's the point?
by yosef
Sun Jul 21, 2013 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your budget look like?
Replies: 45
Views: 3387

Re: Late 30s: 2 Years In

I think this is the part where someone jumps in and says that money is fungible. If I have the money to pay off the loans, then whether or not i actually pay them off doesn't matter. My cash flow is not affected. Money is fungible. :twisted: I'm 38 also and make about the same as you do. My wife is...
by yosef
Fri Jul 19, 2013 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 4363

Re: Why not pay credit card bill as soon as it arrives?

I'm just surprised at the number of people that are still paying bills manually. There's no risk in taking advantage of the float when the bills pay automatically. I want to be sure that I've reviewed every bill before it's paid. If I have to the site to do that, I might as well pay then too. Brian...
by yosef
Fri Jul 12, 2013 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not pay credit card bill as soon as it arrives?
Replies: 69
Views: 4891

Re: USAA to Geico for auto insurance?

I've been with Geico for 15 years. Their rates are unbeatable, and the service has always measured up. My wife made a claim about 2-3 years ago and our rates went up a bit. This past March when our policy renewed the rate had been lowered again with a note that they had reinstated our good driver di...
by yosef
Thu Jul 11, 2013 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA to Geico for auto insurance?
Replies: 19
Views: 1645

Re: Why not pay credit card bill as soon as it arrives?

I'm just surprised at the number of people that are still paying bills manually. There's no risk in taking advantage of the float when the bills pay automatically.
by yosef
Thu Jul 11, 2013 8:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not pay credit card bill as soon as it arrives?
Replies: 69
Views: 4891

Re: How to sell RSUs intelligently.

My employer sells a portion of the shares for taxes prior to giving me the rest. Typically after they hit my account I'll either unload them immediately or wait up to a week or 2 for a small pop if the price "seems off" when they're first available. It's not very precise, but again you rea...
by yosef
Thu Jul 11, 2013 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to sell RSUs intelligently.
Replies: 12
Views: 1152

Re: How to sell RSUs intelligently.

How can you "take a hit" on RSUs? They are given to you at zero cost, right? I usually sell as soon as I see a small pop, but always within a week or 2.
by yosef
Thu Jul 11, 2013 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to sell RSUs intelligently.
Replies: 12
Views: 1152

Re: Why/how such big disparities in CD rates?

I'm curious how big the rate gap would need to be for some people to make a move. It's not that hard. As an example Wells Fargo is offering 0.03% APY for a savings account. Ally is offering 0.84% APY, or 28 times more.
by yosef
Mon Jul 08, 2013 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why/how such big disparities in CD rates?
Replies: 20
Views: 2173

Re: Why/how such big disparities in CD rates?

BofA and other big banks (Wells, Chase, Citi) have more deposits than they know what to do with right now. They are not that hungry for extra deposits. Someone should tell that to their tellers so they will quit trying to sell me on any of their products that pay these ludicrously low rates. It's n...
by yosef
Mon Jul 08, 2013 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why/how such big disparities in CD rates?
Replies: 20
Views: 2173

Re: Asking for a (potentially significant) raise

You'll probably have to leave to get the raise you deserve. Nearly every entry-level person who works for a big company has to leave to get the money they deserve. The first 5-10 years, you become 5x more knowledgable and useful to your company, but they are unable or unwilling to pay you what you ...
by yosef
Tue Jul 02, 2013 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Asking for a (potentially significant) raise
Replies: 66
Views: 4749

Re: Wife needs advice on finding entry level IT job

With regard to the ease of transitioning from QA to Development, it depends a lot on the company. But with your wife's qualifications, she should not have to settle for QA if it's not what she wants. Does her school not offer any career assistance? My company has an internship program and generally ...
by yosef
Sun Jun 30, 2013 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife needs advice on finding entry level IT job
Replies: 29
Views: 2394

Re: Wife needs advice on finding entry level IT job

kenschmidt wrote:If you earn a salary, you are a cost to someone.

No doubt. But people like paying some costs more than others.
by yosef
Sun Jun 30, 2013 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife needs advice on finding entry level IT job
Replies: 29
Views: 2394

Re: Wife needs advice on finding entry level IT job

Sure company IT departments have lots of internal systems that they either wrote outright or have heavily customized. And they are under constant scrutiny to reign in costs. I still maintain that it's totally appropriate for someone with a Masters in CS to have higher ambitions than developing (or m...
by yosef
Sun Jun 30, 2013 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife needs advice on finding entry level IT job
Replies: 29
Views: 2394

Re: Wife needs advice on finding entry level IT job

I have always considered programmer / software engineer an IT job. IT is a large function encompassing many areas, one of which is development i.e. programming. I think it depends on your perspective. Being a software engineer myself, I tend to also put "IT" in a separate category. I work...
by yosef
Sun Jun 30, 2013 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife needs advice on finding entry level IT job
Replies: 29
Views: 2394

Re: Minivan - odyssey EX-L(ent) vs sienna XLE + ent

The Sienna is a much better looking vehicle IMO. We have a 2005 and it has been excellent. I can't speak directly to your points, though I thought CR had a slight preference for the Sienna also. Reliability should be a wash, though might tilt ever so slightly in favor of the Toyota.
by yosef
Sun Jun 16, 2013 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Minivan - odyssey EX-L(ent) vs sienna XLE + ent
Replies: 21
Views: 2772

Re: New Car Advice

With 2 kids I'd strongly recommend a van over a small SUV like the CRV. People will suggest the Odyssey, though IMO the current Toyota Sienna is a much nicer and better looking vehicle. I think Honda people are often a little too brand loyal. Though I much prefer the new Accord to the Camry, both th...
by yosef
Sun Jun 16, 2013 2:37 pm
 
Forum: Personal Consumer Issues
Topic: New Car Advice
Replies: 58
Views: 4434

Re: Observations with Amazon Prime

I don't think they are targeting you specifically to get you back to Prime. I've had Prime for quite a while but I remember the behavior you're seeing before subscribing. My guess is that Amazon's logistics are so refined at this point that they could get you most items within 2-3 days even with sta...
by yosef
Sun Jun 16, 2013 11:06 am
 
Forum: Personal Consumer Issues
Topic: Observations with Amazon Prime
Replies: 47
Views: 4752

Re: iPhone 5 advice/thoughts

I can get through 2 days on my iPhone 5 if need be, though I try to charge it every night. Personally, I don't see why anyone would seriously consider a Blackberry at this point. Regardless of how good the BB10 models are, they have been too far behind for too long to make a comeback now. That compa...
by yosef
Thu Jun 13, 2013 8:02 pm
 
Forum: Personal Consumer Issues
Topic: iPhone 5 advice/thoughts
Replies: 15
Views: 1022

Re: WiFi 802.11 AC: Is it really faster? Worth It?

I don't think there is any consumer grade internet connection that is capable of saturating even a N wireless network. So unless you have a lot of internal network traffic, I don't think it's necessary per se. But I'm sure it will be the standard soon. I guess I'm saying I wouldn't pay extra just fo...
by yosef
Tue Jun 11, 2013 1:22 pm
 
Forum: Personal Consumer Issues
Topic: WiFi 802.11 AC: Is it really faster? Worth It?
Replies: 15
Views: 1079

Re: I [messed] up - Now what? ($200k in student loan debt, e

All these people are giving this dire advice to someone with a college degree and $200K in loans but no one seems to think it an issue that docs are now coming out with $5-600K. The $300Ks seem routine now. One financial advisor told me he saw someone in the $700Ks. If $200K is a problem for a coll...
by yosef
Wed May 15, 2013 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: I [messed] up - Now what? ($200k in student loan debt, etc.)
Replies: 117
Views: 9560

Re: Contemplating buying rental property - what to consider?

I'm curious what school this is. Sounds...interesting.
by yosef
Thu May 02, 2013 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Contemplating buying rental property - what to consider?
Replies: 38
Views: 2079

Re: Web Deveoper (ASP.NET) - What to learn next?

Learn Cobol. I'm not kidding. There's a huge amount of legacy software out there which is written in it or related languages. Banking would come to a halt if banks couldn't run their Cobol programs. The people who maintain these programs are retiring and dying. Even if someone wants to convert thei...
by yosef
Wed May 01, 2013 10:39 am
 
Forum: Personal Consumer Issues
Topic: Web Deveoper (ASP.NET) - What to learn next?
Replies: 17
Views: 1044

Re: Primer on smart phones

If you're not tech savvy and want a smart phone that is easy to use and reliable, you owe it to yourself to give the iPhone a very hard look. Please note that sales reps at carrier run stores will almost certainly discourage you from going this route. They have ulterior motives for steering you towa...
by yosef
Wed May 01, 2013 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Primer on smart phones
Replies: 22
Views: 1381

Re: Bank mailed me letter, $5 fee starts in June, criminal.

There are 2 sides to everything. Sure, the bank has to make money overall, but that doesn't mean that each individual account/customer has to be profitable on its own. It's no secret that credit cards and loans are the places where banks make their money. I would assume that checking accounts are &q...
by yosef
Tue Apr 30, 2013 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank mailed me letter, $5 fee starts in June
Replies: 122
Views: 6984
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