Search found 447 matches

by jridger2011
Wed Jun 08, 2016 7:17 pm
Forum: Personal Consumer Issues
Topic: The cost of a root canal?
Replies: 38
Views: 2801

Re: The cost of a root canal?

About $2000, all in. Location: NYC - Manhattan Dental Office
by jridger2011
Sat Jun 04, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: What TYPE of books do you like to read?
Replies: 48
Views: 2150

Re: What TYPE of books do you like to read?

I haven't read fiction for leisure in a while and I prefer science fiction type of stories rather over mystery/crime. But lately, I prefer something that explains a topic very well such as a math or science. I thought of going back to reading some classics but the storylines haven't appealed to me, ...
by jridger2011
Wed May 25, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on trips/vacations?
Replies: 74
Views: 4958

Re: How much do you spend on trips/vacations?

I would try to budget in about $6000 - $7000 a year on trips. There are some trips that are fun in the present but exhausting in the future. Long flights are hard today and I don't think they will be easier later. With that said, no luxury cars or tasting menu dinners for me since I can do those whe...
by jridger2011
Sun May 22, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: Beverages [Flavored carbonated water]
Replies: 8
Views: 816

Re: Beverages

We no longer consume sodas of any type...sticking now to water, coffee and tea...(and occasional wine and alcohol and juices) We realized we missed the bubbly, so I've been buying flavored carbonated water and we really like them but it seems so wasteful to buy water and haul it home, so I am looki...
by jridger2011
Sat May 21, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4621

Re: Amazon has no head to head competitors?

The order I have coming from Amazon tomorrow (yes, on Sunday) contains a soup ladle, a HDMI splitter, RV toilet tank enzymes, vinyl gloves, a step stool, and composting worms. Yesterday I got cat litter, a heating pad, a filter for my air purifier, and trash bags. I didn't even know Amazon sold com...
by jridger2011
Sat May 21, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Buying our 1st House. What do you do when you can only put down 15% instead of 20%?
Replies: 56
Views: 4029

Re: Buying our 1st House. What do you do when you can only put down 15% instead of 20%?

Let's forget about 600k.... I am at 500k now tops. My questions really is ... when you HAVE to buy now and you're short 15-20k to be at 20%, what do you do? Please don't suggest to wait until you get that extra 20k. I need to purchase a home now and can not continue a horrible commute for another 1...
by jridger2011
Sat May 21, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Buying our 1st House. What do you do when you can only put down 15% instead of 20%?
Replies: 56
Views: 4029

Re: Buying our 1st House. What do you do when you can only put down 15% instead of 20%?

Being from the tri-state area, I am not sure if 150K and a home cost of 600K with property taxes in NJ to be a good deal. What about stuff like holiday trips, leisure vacations, etc? How do you get to work? Driving? Commuter Rail into Manhattan? The costs can run up pretty quickly of maintaining the...
by jridger2011
Sat May 21, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: surface street or freeway commute?
Replies: 32
Views: 1752

Re: surface street or freeway commute?

I would say Freeway because the stop/go/crazy intersections, plus School Bus/Commuter Buses will be very slow in bad weather conditions.
by jridger2011
Sat May 21, 2016 12:11 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 12780

Re: Is there a such thing as a blue collar Boglehead?

I'm sure there are Blue Collar BH folks out there who haven't posted because the forum has more vocal high earners. It can feel like the advice would not apply but I have seen folks here who have given advice to young people with low net worth just starting out. It is your attitude on saving, invest...
by jridger2011
Sat May 21, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4621

Re: Amazon has no head to head competitors?

We've seen a steep dropoff in Amazon quality the past 2 years. It used to be that if you ignored Amazon's "3rd party" sellers and bought directly from Amazon (for a higher price), you would get quality items at great prices. Now even when I order directly from Amazon I often receive used ...
by jridger2011
Sat May 21, 2016 11:39 am
Forum: Personal Consumer Issues
Topic: Trip to Portland, Oregon
Replies: 35
Views: 2447

Re: Trip to Portland, Oregon

Portland is a compact city - we stayed a week without renting vehicle - walked or took MAX line everywhere. I highly recommend doing some of the 'walking tours'. We did the 'Portlandia' city walking tour, coffee tasting walking tour (via Third-Wave Coffee Tours) and one of the food tours. They are ...
by jridger2011
Sat May 21, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Whats the point of MBA? Should I get it if I'm going to Cyber Security career?
Replies: 36
Views: 2163

Re: Whats the point of MBA? Should I get it if I'm going to Cyber Security career?

I would not recommend the MBA if you are truly interested in Cyber Security. The MBA would not be as valuable as experience and certifications. Go look at jobs that are interesting to you, what are their requirements to get this job? Would you accept a position at that company in hopes to do an inte...
by jridger2011
Sat May 21, 2016 10:40 am
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4621

Re: Amazon has no head to head competitors?

I think this largely depends on what you are buying. For every day grocery items, Target and Walmart are much better while Amazon has a lot of rules of what can be bought without a Prime membership. Amazon has designed a lot of customer behaviors based on Prime. For clothing, Amazon has a lot of &qu...
by jridger2011
Sat May 14, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 560
Views: 65655

Re: High Earners - What's Your Profession?

Get as much relevant education as you can (I got an MBA part time while at the CPA firm) as well as a CFA. Work on your communication and presentation skills ( I taught at a local university for 6 years to get comfortable in front of an audience). Try to develop an aggressive, yet approachable, per...
by jridger2011
Sat May 14, 2016 8:54 am
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 8594

Re: Buying a house for an adult child (child adult?)

Perhaps saving for the grandchildren's college expenses may be a better option. That would be a big gift in the future when the costs for education are much higher.
by jridger2011
Thu May 05, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 12616

Re: Sci-Fi ... your favorite movies and episodes??

You all mentioned a lot of good ones. Have any of you finished Continuum on Netflix? I gave up mid way because the story got confusing.
by jridger2011
Sat Apr 23, 2016 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Will Chip + Sign CC work in Europe?
Replies: 27
Views: 2270

Re: Will Chip + Sign CC work in Europe?

I did not have any issue with chip and sign AMEX. I think you should be good, I even bought train tickets using a kiosk in Belgium with the AMEX.
by jridger2011
Sat Apr 23, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: Silly things you can do with your Apple Watch
Replies: 7
Views: 1278

Re: Silly things you can do with your Apple Watch

I think this is also Apple's issue. The watch is useful for certain things but not applicable for a lot of things. The target audience is unclear. The price point is very high for useful for certain applications scenarios. I would not like to read an article in such a tiny window. The waterproofing ...
by jridger2011
Sat Apr 23, 2016 9:19 am
Forum: Personal Consumer Issues
Topic: Quick, healthy dinner resources and tips
Replies: 15
Views: 1528

Re: Quick, healthy dinner resources and tips

I would also suggest an electric pressure cooker. I was not a believer but after seeing this thing cut down the time on cooking, I am impressed. It can cook frozen meats quickly. Buy the good greens, they are expensive, but adds variety to the regular romaine lettuce combinations. Also, try to see i...
by jridger2011
Sat Apr 23, 2016 9:03 am
Forum: Personal Consumer Issues
Topic: How To Stay Motivated in Employment When You Might Have Enough?
Replies: 71
Views: 9049

Re: How To Stay Motivated in Employment When You Might Have Enough?

Have you seen the movie, "Office Space"? Sit down with a couple beers and watch it :sharebeer That movie is a classic! It's a wild fantasy of what the everyman/woman wants to do but does not have the courage to. The boss you dislike and try to avoid to get off work on time, the coworkers ...
by jridger2011
Wed Apr 20, 2016 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 9709

Re: Cannot Pay Huge Tax Burden

I would also vote taking the public service job and hang on tight to get that loan discharged. He loves the job now and wants to make partner, but not sure what the future holds for that job.
by jridger2011
Sun Apr 17, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Coin Collecting (will coins increase or decrease in value?)
Replies: 36
Views: 3463

Re: Coin Collecting (will coins increase or decrease in value?)

I have some I wanted to sell on eBay, but after looking at the prices and the level of effort against those bigger sellers, I decided against it. I do not think coins will ever decrease in value and it is driven by collectors. There are a lot of coins that are not very rare but worth $20 - $50 or so...
by jridger2011
Sun Apr 17, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: A Month in Manhattan
Replies: 87
Views: 5629

Re: A Month in Manhattan

Don't forget the famous Lincoln Center: http://www.lincolncenter.org/calendar
by jridger2011
Sat Apr 16, 2016 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Postnuptial agreement for Physician
Replies: 94
Views: 7038

Re: Postnuptial agreement for Physician

Since you both make money, I find this train of thought strange. You both have jobs that won't cause you to not retire early even if you spend some instead of working aggressively and saving. You're in love and have enough to live on, why would you think about divorce? This is a really good time in ...
by jridger2011
Sat Apr 16, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Alternatives to Verizon Wireless
Replies: 47
Views: 4318

Re: Alternatives to Verizon Wireless

One reason to keep Verizon even in the city with coverage by every provider is underground coverage. In NYC there are a lot of spaces that are underground and I have found the other carriers not as good. I hate Verizon prices but it has been hard to make that switch even when I have tested with work...
by jridger2011
Sat Apr 02, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 19730

Re: Tesla Model 3 anyone?

I would really love to take a test drive in one. I'm in NYC and have no need for something like this but it doesn't stop me from daydreaming. Does stop/go traffic diminish the range? Depending on how Jack-rabbity you are, it should probably extend the range if your average speed is low. As opposed ...
by jridger2011
Sat Apr 02, 2016 3:12 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 19730

Re: Tesla Model 3 anyone?

I would really love to take a test drive in one. I'm in NYC and have no need for something like this but it doesn't stop me from daydreaming.

Does stop/go traffic diminish the range?
by jridger2011
Sat Apr 02, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 70
Views: 4932

Re: Updates on the status of Linux

I still use Linux on VirtualBox but not frequently. I would not say VirtualBox is the best way to experience Linux today but it solves a lot of the compatibility issues for me. Years ago, I used to swap out hard drives and install different flavors of Linux on computers for fun to see which one I li...
by jridger2011
Sat Apr 02, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 8726

Re: Investing Young + LBYM = No Corp Ladder

I think the message here is good about LBYM but there are a lot of self-serving messages and a fair bit of fear-mongering combined with extreme hostility for certain groups of people, including those who choose to advance in their careers into leadership positions. I hope no one gets injured pattin...
by jridger2011
Sat Apr 02, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Changing careers (becoming real estate agent)
Replies: 18
Views: 2063

Re: Changing careers (becoming real estate agent)

I know someone who tried this out for a while after some major burnout from a structured office job. Depending on where you will work, there could be a mix of sales and rentals to do at once. There will be a busy season and a slow season even if weather is not a major factor. The slow season require...
by jridger2011
Sat Apr 02, 2016 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Paying Marriage Penalty Tax vs. Cohabitation
Replies: 99
Views: 8951

Re: Paying Marriage Penalty Tax vs. Cohabitation

Given your username, what do parents think of this arrangement? I suppose things are different in Bay Area but on the eastern coast, I don't recall even single such case of long term cohabitation. Either that or the parents try to hid that fact and never let it out :-) They could be spiritually joi...
by jridger2011
Sat Apr 02, 2016 8:11 am
Forum: Personal Finance (Not Investing)
Topic: A friend with a pension and a House
Replies: 10
Views: 1575

Re: A friend with a pension and a House

Just to add to this discussion about pensions and uncertainty that can go with it. It was announced yesterday that the min wage for NYC and some surrounding counties will reach $15 per hour by end of 2018. This sounds really good since the cost of living is extremely high here, a single movie ticket...
by jridger2011
Thu Mar 31, 2016 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buying, need advice!
Replies: 35
Views: 3275

Re: First time home buying, need advice!

I would say get a condo with elevators so you can stay there for a while and upon any health changes.
by jridger2011
Thu Mar 31, 2016 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Marriage Penalty Tax vs. Cohabitation
Replies: 99
Views: 8951

Re: Paying Marriage Penalty Tax vs. Cohabitation

Not everyone believes that you need marriage to have a committed life-long relationship. Not everyone thinks of marriage as remotely relevant to their relationship, so the conversation doesn't even need to happen. Speaking for myself and my relationship. I like when people don't succumb to social n...
by jridger2011
Thu Mar 31, 2016 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 135
Views: 21313

Re: Renting forever: financial suicide?

That's generally true, but in metro areas where there can be frequent shifts in the quality/costs of individual neighborhoods, people often need or want to move on a more regular basis. I don't know anyone who has rented in a major city and stayed in one place for 10 years. I sure know such folks! ...
by jridger2011
Thu Mar 31, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 4761

Re: do you do airbnb ??

I haven't tried it personally since I like having a front desk and some amenities like a gym, etc. I can see AirBnB being a great value for a larger group traveling together, it is easier to spread out in a bigger space.
by jridger2011
Tue Mar 29, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 122
Views: 7705

Re: Which Engineering Discipline for the next 20+ years !!!

My order of preference would probably be: 1. Mech E (specialized and a lot of cool places to work) 2. EE (wide applications and a lot of cool places to work) 3. CS (wide range of focus areas such as databases, artificial intelligence, network security, etc) 4. Civil E (lower pay but hard to outsourc...
by jridger2011
Sun Mar 27, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Marriage Penalty Tax vs. Cohabitation
Replies: 99
Views: 8951

Re: Paying Marriage Penalty Tax vs. Cohabitation

OP, Not getting married saves you the cost of a wedding. But the security of a marriage to the kids, as least as minors, can be worth more than that. Can you elaborate? What security does marriage provide to minor children? It seems like I heard this a long time ago. The security is not only financ...
by jridger2011
Sun Mar 27, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Does anyone earn any income (10 bucks plus) a week from one of those survey, blog, visit website jobs?
Replies: 22
Views: 2236

Re: Does anyone earn any income (10 bucks plus) a week from one of those survey, blog, visit website jobs?

I used to work with some of those vendors and use their data (no personally identifiable info is ever used). I would say $10+ a week is pushing it. The surveys usually do not pay anything beyond some sort of small gift card or it is so many questions that it is time consuming. There are tons of Goog...
by jridger2011
Sat Mar 26, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Marriage Penalty Tax vs. Cohabitation
Replies: 99
Views: 8951

Re: Paying Marriage Penalty Tax vs. Cohabitation

What is the marriage penalty tax? Assuming it pertains only to two high income earners? Pretty much taxes on 150k of income = 32,187 taxes for a married couple on 300k (2 150k earners) = 68,180 So getting married costs this couple ~4k. The exact amount is very situation specific but in general 2 pe...
by jridger2011
Sat Mar 26, 2016 9:47 am
Forum: Personal Consumer Issues
Topic: Groupon Deal - Feels like a scam
Replies: 11
Views: 2109

Re: Groupon Deal - Feels like a scam

Those deals sell out fast. They make nice little thank you type of gifts for people even if you don't use them. I would check back to see if there is another deal coming up. People have other views about spend/invest tactics, consumer discretionary purchases are another place where people differ on ...
by jridger2011
Sat Mar 26, 2016 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Paying Marriage Penalty Tax vs. Cohabitation
Replies: 99
Views: 8951

Re: Paying Marriage Penalty Tax vs. Cohabitation

What is the marriage penalty tax? Assuming it pertains only to two high income earners? Pretty much taxes on 150k of income = 32,187 taxes for a married couple on 300k (2 150k earners) = 68,180 So getting married costs this couple ~4k. The exact amount is very situation specific but in general 2 pe...
by jridger2011
Sat Mar 26, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: How to purchase a car from someone on facebook and transport
Replies: 31
Views: 2386

Re: How to purchase a car from someone on facebook and transport

'95 Supra is a beauty but an old car. You have to see this in person and hear it before you buy it. It's a rare car today, I hope you can get it.
by jridger2011
Sat Mar 26, 2016 8:21 am
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5950

Re: Europe Trip in August

Was in Europe last December anyway after all those alerts. The crowds were significantly less and a lot more enjoyable. Don't cancel your trip but take the usual precautions of not going anywhere deserted/sketchy.
by jridger2011
Wed Mar 23, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Computer help request
Replies: 12
Views: 1349

Re: Computer help request

Have you tried to plug the laptop directly into the router using the Ethernet cable?

If that works, there could be an issue with the wireless card within the laptop.
by jridger2011
Mon Mar 21, 2016 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Brick & mortar bank rec in NYC
Replies: 9
Views: 1004

Re: Brick & mortar bank rec in NYC

Also have to comment on TD Bank. I exchanged some currency there and the customer service was great. I still haven't used the coin machine, which was my original intention of opening the account.
by jridger2011
Mon Mar 21, 2016 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Franchises - the good and the bad?
Replies: 14
Views: 1744

Re: Franchises - the good and the bad?

I know people who have worked them for many years. The hours are extremely long and there is a lot of effort to find a deal on supplies that fuel the business, like ingredients for the foods, etc. Also, the rent is a serious issue since it rises and if the franchise business has its peak seasons, it...
by jridger2011
Mon Mar 21, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Changing careers to finance mid 30's
Replies: 40
Views: 4095

Re: Changing careers to finance mid 30's

I think it is possible to do this if you are willing to make a lot of personal sacrifices on your free time to get a job related to finance. You live in NYC, so you can access the CUNY system. If you want to study finance, Baruch is a great place to start. Finance is pretty broad, you have to go and...
by jridger2011
Mon Mar 21, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 8341

Re: I don't have anyone else to brag about this to

Congrats on your major personal milestone. Now, you can focus on enjoying everything else.
by jridger2011
Mon Mar 14, 2016 6:54 pm
Forum: Investing - Theory, News & General
Topic: Late Starters
Replies: 61
Views: 5704

Re: Late Starters

I think a late start is not the worst thing considering many of us not only have to pay off our college loans, save for a home downpayment, and then proceed to fund other lifestyle things before we can begin to invest aggressively. There are people who are too scared to invest and just put everythin...

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