Search found 15 matches

by ny_knicks
Fri May 19, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Variable Compensation and 401k Match
Replies: 7
Views: 525

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: 8658

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: 325

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: 4365

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: 191

Refinance student loans right after graduation?

Graduating in a week with about $40,000 in 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 w...
by ny_knicks
Tue Mar 28, 2017 1:10 am
Forum: Personal Consumer Issues
Topic: Selling Car - Private Sale vs CarMax vs Dealer
Replies: 56
Views: 8549

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: 56
Views: 8549

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: 6500

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: 4602

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: 56
Views: 8549

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: 56
Views: 8549

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: 56
Views: 8549

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: 3458

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: 25939

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: 4602

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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