Search found 24 matches

by ny_knicks
Thu Jul 20, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Those Of You In a HCOLA - What's Your Financial Plan
Replies: 52
Views: 3927

Re: Those Of You In a HCOLA - What's Your Financial Plan

Just moved with girlfriend from what I thought was a LCOL area where we were paying $1500 in rent to a HCOL area where we are paying $3500. That is for a 1 bedroom 800 sqrft apartment. Chose not to sacrifice safety and prioritized a short commute. We were able to get rid of both cars saving a net of...
by ny_knicks
Fri Jun 30, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 11799

Re: How did you handle the costs of your child's wedding?

Will be on the other side of the equation soon where I am the child getting married. My significant other and I have said to each other that we don't expect any money from either of our parents. I know my parents will want to pay for the rehearsal dinner (they are quite traditional w/ regards to thi...
by ny_knicks
Fri Jun 30, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 186
Views: 12423

Re: Buying house - Very important decision

Know a real estate developer in Nashville market. Was talking to him the other day and he mentioned there is a lot of concern regarding too much new inventory for multi-family properties. This is reflected in the higher end units especially which are offering steep discounts/first x months free. Kee...
by ny_knicks
Fri Jun 16, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 66
Views: 12487

Re: Selling Car - Private Sale vs CarMax vs Dealer

Update: Sold the Jeep Wrangler to a dealership too. Their offer was about $1000 more than CarMax. They listed the car for $2500 more than I sold it to them for. I am sure private would have maximized the sale price but the tradeoffs weren't worth it. Interesting thing about the experience was that C...
by ny_knicks
Fri Jun 16, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Hyatt Certificate for Chase Hyatt Card
Replies: 5
Views: 595

Re: Hyatt Certificate for Chase Hyatt Card

Opened this card just for this bonus. 2 free nights at the Park Hyatt in NYC. Rooms were going for $950 a night during the weekend we booked. We got a complimentary upgrade when we arrived. Stay was amazing. The value of these certificates is nuts for the $2000 spending requirement and $75 fee, espe...
by ny_knicks
Tue Jun 13, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 74
Views: 7287

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

I think you're taking this a bit wrong...but maybe I am way off base. Employer is asking your salary requirements, encouraging you to fill out the application and is going to do a background check. All of those point to them having a high interest in hiring you after the first interview. If they wer...
by ny_knicks
Sat Jun 10, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Babson College
Replies: 30
Views: 2371

Re: Babson College

Babson is a regional school but stands out for its entrepreneurship program. Have your son look over the employment report ( found here maybe you already have) and the LinkedIn page linked from it to get an idea of where students that went to Babson went to work and what types of job functions they ...
by ny_knicks
Thu Jun 08, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: GS Bank raised rate to 1.20%
Replies: 21
Views: 3663

Re: GS Bank raised rate to 1.20%

Just made an account to hold my emergency fund. Difference between this and Ally isn't a crazy but still went for it
by ny_knicks
Tue May 30, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: MBA in EU...worth it?
Replies: 15
Views: 1324

Re: MBA in EU...worth it?

Some great responses so far not sure mine will add much but I will share my insights. Graduated 2 weeks ago from an MBA program in the U.S. Top 15. I went back w/ 3 years work experience in a technical field and am going into investment banking. An MBA is absolutely worth it. With the caveat being t...
by ny_knicks
Fri May 19, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Variable Compensation and 401k Match
Replies: 7
Views: 611

Variable Compensation and 401k Match

How do you approach maxing 401k contributions/matching when a large percentage of your total compensation is in the form of a yearly bonus. I did some calculations and there is the potential to miss out on the match if you max out your 401k too early in the year. Do you start the year making the min...
by ny_knicks
Fri May 19, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Resigning from a job: best practices and advice?
Replies: 111
Views: 9086

Re: Resigning from a job: best practices and advice?

Make a meeting with your manager and tell them you are leaving for better opportunity/more pay/better commute/whatever other reason you want to share. Clearly tell them your last day will be x. If they ask where you are going to work I personally think it is fine to share. I think it can come off as...
by ny_knicks
Thu May 04, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: LTD vs SSDI...what to do?
Replies: 5
Views: 367

Re: LTD vs SSDI...what to do?

I am sorry to hear about his diagnosis... My permanently disabled mother receives SSDI and LTD. Her LTD was reduced by the amount of SSDI she receives. Benefit to SSDI is she was eligible for medicare (after some time?). Keep excellent records as both LTD and SSDI will want to regularly check to ens...
by ny_knicks
Wed May 03, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Banking in Marriage
Replies: 66
Views: 4777

Re: Banking in Marriage

Not marred (yet). Joint checking account w/ girlfriend :shock: of 6 years. Been that way since we moved in together 4 years ago. Way too complicated to pay bills/divide up everything. All our money goes into a checking account, bills are paid and then what little is leftover (thanks grad school) goe...
by ny_knicks
Mon May 01, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance student loans right after graduation?
Replies: 1
Views: 217

Refinance student loans right after graduation?

Graduating in a week with about student loans @ 5.7% fixed rate. Looking at possibly refinancing them. Believe I have a strong profile to refinance w/ excellent credit score, no other debt and high starting salary lined up post-grad. Lowest advertised rates are quite attractive but I am wondering wh...
by ny_knicks
Tue Mar 28, 2017 1:10 am
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 66
Views: 12487

Re: Selling Car - Private Sale vs CarMax vs Dealer

How old was the CRV? The first offer I received from a dealership on my 2008 RAV4 (145K miles) was $4,000. I'll try the CarMax route in a week or two. CRV was only 4 years old but had ~45k miles. I would use KBB/search car listings online to get a ballpark for the value (and be honest w/ yourself o...
by ny_knicks
Sun Mar 26, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 66
Views: 12487

Re: Selling Car - Private Sale vs CarMax vs Dealer

Update: For those who might be interested/come across this thread.. Sold Honda CRV (excellent condition, average milage for car its age, no accidents, all service records) for $14,000. CarMax: Spent about 30 minutes looking over the car and gave me an offer of about $750 above KBB. No haggling and o...
by ny_knicks
Fri Jan 20, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 6746

Re: East Coast And Work/Life Balance

Work life balance and higher pay are often at odds with each other. You mention wanting more flexibility in your employment and want to work less hours but also cite the need to make more $$$ to maintain your standard of living in NJ. It is my experience that the area you live in is fast paced and c...
by ny_knicks
Tue Jan 17, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on sign-on bonus check
Replies: 42
Views: 4918

Re: Taxes on sign-on bonus check

Did you submit your tax for as part of the process? You shouldn't pay any taxes if it was done correctly. Unless amounts are large, its probably not worth the hassle. I did fill out paperwork that helps them estimate the taxes for my sign-on as part of accepting the offer. I am able to adjust the i...
by ny_knicks
Fri Jan 13, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 66
Views: 12487

Re: Selling Car - Private Sale vs CarMax vs Dealer

IowaFarmBoy wrote:After you've got them sold, please post back a summary of how it went. I'd love to hear the details.


Won't be until later this spring but I will be sure to update with KBB/Edmunds values as well as the offers I received!
by ny_knicks
Fri Jan 13, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 66
Views: 12487

Re: Selling Car - Private Sale vs CarMax vs Dealer

Thanks for the replies! Selling a Jeep Wrangler and Honda CRV. I think the Wrangler has a strong following and would make an easy private sale but hearing some of the replies reaffirmed my thoughts on just shopping the cars around to CarMax and a few dealerships that would sell them on their lots. I...
by ny_knicks
Mon Jan 09, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 66
Views: 12487

Selling Car - Private Sale vs CarMax vs Dealer

Has anyone sold their cars before through a private sale/CarMax/dealer? What was your preferred method? My girlfriend and I have 2 cars that we need to sell as we are moving to NY this summer. Both cars have loans on them, though KBB/Edmunds show we should get more for selling them than we owe. Ther...
by ny_knicks
Fri Jan 06, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 42
Views: 3559

Re: Requirements to change passwords frequently?

Use a password manager - Lastpass is $12 per year for premium (passwords available on mobile devices). Easy way to create and access unique random passwords for all accounts.
by ny_knicks
Fri Jan 06, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 27118

Re: How much is your cell phone bill?

Wow, I had no idea so many people were paying so much for cellphone plans every month. I too find it shocking how much people pay for a cell phone. But, I am not a phone person so maybe I just don't understand the appeal. :happy I would be lost without a cellphone. It has largely replaced my use of...
by ny_knicks
Fri Jan 06, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes on sign-on bonus check
Replies: 42
Views: 4918

Re: Taxes on sign-on bonus check

Graduating school in May and just received part of my sign-on bonus. Mine was incorporated into my relocation package and was "grossed up" so I received a check for the full amount stated in the offer letter. The gross up means the employer reimburses the employee for taxes owed on that in...

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