Search found 431 matches

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: 1936

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: 1126

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: 1309

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: 7727

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: 8253

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: 2914

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: 4685

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: 5973

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: 45
Views: 3318

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: 17377

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: 17377

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: 4223

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: 7979

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: 1830

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: 8151

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: 1493

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: 19
Views: 1158

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: 8151

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: 20121

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: 4067

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: 6863

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: 8151

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: 1961

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: 8151

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: 2011

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: 8151

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: 2159

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: 5236

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: 1220

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: 889

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: 1581

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: 3672

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: 7561

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: 5328

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...
by jridger2011
Sat Mar 12, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off, bouncing ideas.
Replies: 33
Views: 3331

Re: Laid off, bouncing ideas.

What industry do you work in? Have you searched comparable jobs you may like to do within the same industry? I am asking because it can take some time to find a new job and starting the process sooner is very important. Energy. The market is completely over-saturated for my occupation. One of the b...
by jridger2011
Sat Mar 12, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off, bouncing ideas.
Replies: 33
Views: 3331

Re: Laid off, bouncing ideas.

What industry do you work in? Have you searched comparable jobs you may like to do within the same industry? I am asking because it can take some time to find a new job and starting the process sooner is very important. Energy. The market is completely over-saturated for my occupation. One of the b...
by jridger2011
Sat Mar 12, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Is a CS PhD financial suicide for my profile?
Replies: 57
Views: 5908

Re: Is a CS PhD financial suicide for my profile?

I know someone who did a masters in computer science...he is now a police officer. It is rare that one can, in one move, change the average IQ of two groups. Sorry, but it struck me as funny. No offense intended. OP, good luck. The heart wants what it wants, and so does the mind. Go for it. As a tw...
by jridger2011
Sat Mar 12, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Do most of you plan to retire "full-time"?
Replies: 126
Views: 10501

Re: Do most of you plan to retire "full-time"?

This is a tough question since the future is uncertain. If I am in poor health, then yes, retirement full time is the only option. If my health is good, I hope to still retire full time since I am in NYC, I do not wish to take a crowded train every morning during rush hour in all weather conditions....
by jridger2011
Sat Mar 12, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Laid off, bouncing ideas.
Replies: 33
Views: 3331

Re: Laid off, bouncing ideas.

What industry do you work in? Have you searched comparable jobs you may like to do within the same industry? I am asking because it can take some time to find a new job and starting the process sooner is very important.
by jridger2011
Wed Mar 09, 2016 7:27 pm
Forum: Personal Consumer Issues
Topic: What are you frugal with, what are you not, but still buy?
Replies: 53
Views: 4696

Re: What are you frugal with, what are you not but still buy?

I'm frugal with stuff that is not that important to have a nicest versions of. I won't buy an expensive t-shirt, top of the line computer/tv/stereo/phone, shoes, or accessories. I will spend what is enough to get something that is decent in quality but not top of the line. Food and travel is difficu...
by jridger2011
Mon Mar 07, 2016 10:39 pm
Forum: Personal Consumer Issues
Topic: Instant pot pressure cooker
Replies: 19
Views: 1920

Re: Instant pot pressure cooker

We have the 7 in 1 programmable version. Had ours for over a year now and use it 1 to 3 times per week. Perfect for setting up a meal that would normally take 8 hours in a slow cooker in a little over 30 min. We've also made yogurt in it which works great. The only problem that I have is that the l...
by jridger2011
Mon Mar 07, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 98
Views: 6827

Re: Cities good for living abroad?

I am from New York and would say living here for a year may be a bit too much if you mind intense crowding. New York has a full spectrum of weather but it is very cold in the winter and very hot in the summer. There is lots to do if you enjoy finding new foods, music and plays, and events (sponsored...
by jridger2011
Sat Mar 05, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Is Working from Home the New Normal?
Replies: 57
Views: 5458

Re: Is Working from Home the New Normal?

My last few jobs, working from home was only an option on a rare occasion of bad weather or a personal reason (home repair, etc). This is in NYC. We were expected to be in the office if not traveling for business.
by jridger2011
Thu Mar 03, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 6563

Re: Cast Iron Frying Pans

Do not spend too much on it but spend the time to learn how to season and what not to cook on it. Anything with sugar like a marinade on a meat will stick. Some people dislike using a lot of oil but it will be smokey in the house otherwise. If there are burnt bits, do not get discouraged, just use w...
by jridger2011
Wed Mar 02, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: Another frugality question
Replies: 35
Views: 4018

Re: Another frugality question

To stay on topic to keep it actionable, consider the costs of using the item and the enjoyment. Case 1: Low value item such as apparel Undesired Color is discounted, but if you buy it, it may not get the most use because of color. Then despite the discount, the utility is lost. Case 2: High value i...
by jridger2011
Sun Feb 28, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Another frugality question
Replies: 35
Views: 4018

Re: Another frugality question

To stay on topic to keep it actionable, consider the costs of using the item and the enjoyment. Case 1: Low value item such as apparel Undesired Color is discounted, but if you buy it, it may not get the most use because of color. Then despite the discount, the utility is lost. Case 2: High value it...
by jridger2011
Sat Feb 27, 2016 11:10 pm
Forum: Personal Consumer Issues
Topic: Wife and I are thinking about getting a new house (selling current one)...best idea?
Replies: 12
Views: 1282

Re: Wife and I are thinking about getting a new house (selling current one)...best idea?

Fieldsy1024 wrote:Our area is nice, but she wants to move into this better area in 3-4 years. We talked about upgrading the house now, but I don't feel like going through that, because I personally want more land.


Understood, the timeline is not too crazy. Would you get $200k for the house if sold?
by jridger2011
Sat Feb 27, 2016 10:28 pm
Forum: Personal Consumer Issues
Topic: Wife and I are thinking about getting a new house (selling current one)...best idea?
Replies: 12
Views: 1282

Re: Wife and I are thinking about getting a new house (selling current one)...best idea?

Is this house located in an area your wife dislikes? Or, she hates the actual house? Could you spend $25k+ to fix it up to her liking instead?
by jridger2011
Sat Feb 27, 2016 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Another - How much house? (Northeast)
Replies: 37
Views: 1851

Re: Another - How much house? (Northeast)

What type of dwelling are you looking for? Townhouse? Single Family Unattached? Since this is Bogleheads, it may be Townhouse (~$600K) since Greater NYC is high in cost for Single Family (~$800K+). With your annual income and a high enough down payment, it is possible to do the Single Family. Keep i...
by jridger2011
Sat Feb 27, 2016 1:18 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24507

Re: Don't understand nutrition and exercise

4. I don't get enough sleep, maybe only 5-6 hrs a night when I know I should get at least 8. I get home from work close after 5 and just don't feel like I have enough time to myself after cooking/cleaning/errands. 5. I don't work out often and have trouble sticking to a routine. I know I feel good ...

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