Search found 57 matches

by ny_knicks
Tue Aug 29, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15351

Re: Capital One $400 bonus for new checking account

Keep going for it! I got 4 bonuses between my wife and myself totaling about $1,500 and was never targeted. Same here. These things are pretty vague and there are a lot of DPs out there indicating people getting the bonus even though they were not targeted. Doubled up on the bonuses too w/ gf. Neve...
by ny_knicks
Mon Aug 21, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15809

Re: Jobs that pay over $100,000

It certainly is location dependent. I have two RNs with BSNs on my staff, both left healthcare because the corporate world offered more money and better work/life balance in this area. At my last job (public health), my entire staff consisted of 15-20 nurses at any given time; most in similar situa...
by ny_knicks
Sun Aug 20, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 15809

Re: Jobs that pay over $100,000

Girlfriend was a nurse and pulled in $100k the year after undergrad by working 48 hours a week on nights. She had nurses on her floor later in their career who were making $130k+ working 36 hours a week with pensions/incredible health insurance/6 weeks vacation/403b match etc. Some were even getting...
by ny_knicks
Sun Aug 20, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8582

Re: ObamaCare 2018

There were a number of replies in response to my post...all of which point to the fact that ObamaCare is affordable if you are eligible for the subsidies. What I was attempting to show w/ my original post was that if you're not eligible for the subsidies and you're old then you're SOL. I think that ...
by ny_knicks
Sun Aug 20, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8582

Re: ObamaCare 2018

At those prices you would need about a half a million dollars invested to cover premiums/deductibles at a 4% swr. Probably more of you have medical costs you pay out of pocket due to the high deductible. For a couple that would be more like a million dollars. At that point, can you just self-insure...
by ny_knicks
Sun Aug 20, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8582

Re: ObamaCare 2018

Dads retired early so I'll provide data point from him. He has 2 more years until Medicare kicks in. Pays about $1600 a month for terrible health insurance. He's the only one on the plan. Crazy high deductible and max out of pocket. He can go to a select few doctors in his area. If you aren't eligib...
by ny_knicks
Sun Aug 20, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15351

Re: Capital One $400 bonus for new checking account

I did not receive an email and was able to get both the checking account and savings account bonuses. My girlfriend did not receive and email and she was also able to get them. To get the savings bonus we just deposited $15k in savings from GS bank and then transferred it back. Although there were d...
by ny_knicks
Sat Aug 19, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 422
Views: 36674

Re: Picking College and College Scholarships

Yes there is a correlation. The research I have seen suggests it is due to the kinds of kids these schools attract, not what the college provides to the kids. The causation is reversed. The kind of person you are at 18 has a huge causal impact on both the kind of college you go to and the kind of e...
by ny_knicks
Sat Aug 19, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 422
Views: 36674

Re: Picking College and College Scholarships

Research suggests his lifetime earnings will not be better going to a more expensive/higher reputation school. The idea that price doesn't matter when it comes to college is incredibly pernicious. While I agree that it sounds like the OPs son will find success no matter what school he goes to on th...
by ny_knicks
Sun Aug 13, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17142

Re: Life at crossroads. What would you do ?

May I ask you why do you think so? Unless the person that interviewed you is the owner of the company, why would he/she want to hire someone that could upstage and replace him or her? As a hiring manager, your own job security comes first. Why would the person hire someone that is a lot better than...
by ny_knicks
Sun Aug 13, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17142

Re: Life at crossroads. What would you do ?

Built a business from nothing to $1B. Something is seriously off here. That single bullet on your resume should allow you to find employment at any company in the U.S. I am assuming it wasn't your business but some internal initiative you led. I find it very hard to believe that with this type of e...
by ny_knicks
Thu Jul 27, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 5813

Re: Vanguard Money Market vs. Savings Accounts

There are plenty of FDIC insured banks w/ savings accounts that have APY > Vanguards Prime Money Market Fund. Goldman Sachs is one example paying 1.2% APY. Seems like opening a new savings account with a higher APY checks off a lot of your list. Good points and I liked the Soldman Sachs note. I tho...
by ny_knicks
Thu Jul 27, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market vs. Savings Accounts
Replies: 42
Views: 5813

Re: Vanguard Money Market vs. Savings Accounts

There are plenty of FDIC insured banks w/ savings accounts that have APY > Vanguards Prime Money Market Fund.

Goldman Sachs is one example paying 1.2% APY. Seems like opening a new savings account with a higher APY checks off a lot of your list.
by ny_knicks
Thu Jul 27, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7025

Re: Post Nuptial agreement guaranteeing alimony?

You're not telling us the whole story but... 1.) I am struggling to envision a career/industry where you wouldn't have transferable skills that would allow you to get a new job that would be amicable to your husbands company's demands (which I also find absurd). If you're not happy with your current...
by ny_knicks
Thu Jul 27, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Mid/Late 20's - Student Loan Paydown vs Saving for Retirement
Replies: 19
Views: 1735

Re: Mid/Late 20's - Student Loan Paydown vs Saving for Retirement

Just refinanced my loans. I would advise you shop around for better rates. Most of the lenders allow you to see a rate before a hard pull on credit so there is no harm. You might have seen something similar when they listed the rates to you at SoFi but for me the 7 and 10 year loans actually came wi...
by ny_knicks
Thu Jul 27, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8396

Re: Should you wait until the due date to pay credit card balance?

Budgeting is easier for me when the CC is paid uniformly, as you can gauge month-to-month how your spending is trending. Also, be careful if you ever miss a due-date or pay less than your statement. Most cards will charge interest for 2 payment cycles afterwards, from the day of purchase, rather th...
by ny_knicks
Wed Jul 26, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8396

Re: Should you wait until the due date to pay credit card balance?

Guess I am in the minority in that I pay it off right when it posts...might change this habit based on what others are saying about not establishing a payment history w/ the card. Although my credit score has always been high. I guess I always thought it helps w/ budgeting as checking account gets d...
by ny_knicks
Wed Jul 26, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Series 65 Volunteer Advising?
Replies: 33
Views: 2308

Re: Series 65 Volunteer Advising?

A lot of incorrect/misleading advice... Do not need sponsorship. Pass the 65 and register in any states in which you plan to have clients in. Series 65 will allow you to provide financial advice to clients for fees they pay directly to you. You do not need Series 7...which would require sponsorship.
by ny_knicks
Tue Jul 25, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Driveway On Neighbours Land
Replies: 30
Views: 2190

Re: Driveway On Neighbours Land

Took a property law class in school (feel like I am saying I stayed at a holiday inn express last night)...can't remember much of it as it was P/F and I just needed the credit. I think it depends on how long the fence/driveway was there but adverse possession or prescriptive easement might mean it i...
by ny_knicks
Tue Jul 25, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19394

Re: Buying house - Very important decision

Dont mean to restart the same topic, but a coworker was mentioning that he knows some folks who bought multiple SFH homes. Apparently they are able to rent couple of them for about the same as mortgage amount. He also says there is no way in hell prices are going to come down here. Wondering if thi...
by ny_knicks
Tue Jul 25, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Rhoombas, Home Mapping and Privacy
Replies: 15
Views: 1213

Re: Rhoombas, Home Mapping and Privacy

Rhoomba knowing I have a coffee table and sofa in my living room is of no concern to me. Wouldn't think twice about it if it meant there wasn't dog hair all over apartment at the end of the day!
by ny_knicks
Mon Jul 24, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 37
Views: 3132

Re: Luggage recommendation

How often are you traveling? Once...go buy the cheapest bag at ebags, luggagepros or amazon. But if you're planning on traveling often or want something that will last for more than a few trips...I'd say spring the extra $100 and get something decent. I have had great experience w/ Travelpro. Have b...
by ny_knicks
Mon Jul 24, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 8291

Re: Investing Education and Mansplaining

Examples are being thrown around of men "mansplaining" women who have PHDs about their area of expertise. Obviously absurd. OP's 22 year old daughter claiming she is being "mansplained" because a man (her father/those in videos) is trying to help educate her on personal finance which she seems to ha...
by ny_knicks
Mon Jul 24, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15351

Re: Capital One $400 bonus for new checking account

Trying $500 bonus ($300 Checking/$200 MM) for both me and my gf w/ DD from Goldman Savings. Seems to have worked for some. Not in target area and never been a Capital One customer. Will post back w/ results. Is there a link for the Goldman deal? I should have clarified...opened Checking/Savings w/ ...
by ny_knicks
Mon Jul 24, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Another bay area housing thread..
Replies: 143
Views: 13067

Re: Another bay area housing thread..

What are you currently paying in rent and what would it cost to step up into a more suitable rental for the lifestyle you are looking for?
by ny_knicks
Mon Jul 24, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 35
Views: 4819

Re: How to buy (or invest) into Bitcoin?

Just read through Bitcoin news after seeing some of the absurd returns posted in here...scary stuff. I wouldn't go near it. Huge red flag when everything reads like..."this time its different, there is nothing like it, will just keep going up and up". If you want to gamble go for it.
by ny_knicks
Sun Jul 23, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in an AirBNB unit? ROI?
Replies: 32
Views: 3140

Re: Investing in an AirBNB unit? ROI?

You do understand you are simply one home rule law away from having your investment abruptly terminated? I'm unfamiliar with what you're talking about. Can you explain? There are a lot of new laws being created and existing laws being enforced surrounding Airbnb. A lot of people aren't happy their ...
by ny_knicks
Sun Jul 23, 2017 7:50 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs buybacks
Replies: 60
Views: 3049

Re: Dividends vs buybacks

Dividends to me signal that a company has determined that it cannot reinvest that cash into the business and earn a higher rate of return than its cost to capital. A company like Google doesn't pay a dividend because it believes it can reinvest that money into positive NPV projects that will ultimat...
by ny_knicks
Sun Jul 23, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: RIA [Registered Investment Advisor]
Replies: 7
Views: 695

Re: RIA [Registered Investment Advisor]

Knopman and Securities Training Corporation are the two big ones that I know of that provide courses/materials for the FINRA Series exams
by ny_knicks
Sun Jul 23, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in an AirBNB unit? ROI?
Replies: 32
Views: 3140

Re: Investing in an AirBNB unit? ROI?

Being a landlord comes with a lot of challenges and many people find that it isn't all it is cracked up to be. Airbnb just amplifies those challenges. I have a feeling it isn't as easy as buying a unit, turning it over to a management company and watching those $$$ stream in. It is going to be a lot...
by ny_knicks
Sun Jul 23, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 8291

Re: Investing Education and Mansplaining

People hear what they want to hear. Perhaps she isn't ready to listen to "investing education" and the "mansplaining" is just an excuse to not have to deal with it at this point in her life. Can try getting her a book or two and seeing if she takes to that. If that is not the case and she really goe...
by ny_knicks
Sat Jul 22, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4553

Re: How much electricity are you using and how expensive it is?

Small apartment we used 602 kWh this past month for a total bill of $152. Past month we were gone for 2 weeks w/ only the refrigerator running. Otherwise we have a few lights and a window AC running throughout the day. Bill would be around $250-$300 if we weren't gone. Breaks down to a supply charge...
by ny_knicks
Sat Jul 22, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15351

Re: Capital One $400 bonus for new checking account

Trying $500 bonus ($300 Checking/$200 MM) for both me and my gf w/ DD from Goldman Savings. Seems to have worked for some. Not in target area and never been a Capital One customer. Will post back w/ results.
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: 68
Views: 7149

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: 13013

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: 228
Views: 19394

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: 16129

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: 649

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: 7979

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: 2618

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: 3898

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: 1464

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: 709

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: 9370

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: 404

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: 5097

Re: Banking in Marriage

Not marred (yet). Joint checking account w/ girlfriend 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) goes into s...
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: 233

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: 16129

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: 16129

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: 6993

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...