Search found 569 matches

by N10sive
Wed Aug 15, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation negotiation
Replies: 10
Views: 628

Re: Compensation negotiation

If he is still working I wouldn't move for less than 15%. If he feels he is underpaid at his current company I could move that to 25% or more. (Unless he is completely sick and tired of the place, but he still has the leverage in this scenario) I would have that as base salary and dependent on compl...
by N10sive
Wed Aug 15, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Compensation negotiation
Replies: 10
Views: 628

Re: Compensation negotiation

Do some research, pick a number he feels comfortable at and go from there.

You can always say something along the lines "Of course the salary is negotiable based on other compensation benefits, bonus, 401k match, ability to increase salary based on a earlier performance review etc."
by N10sive
Mon Aug 13, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate our financial health
Replies: 13
Views: 1043

Re: Help evaluate our financial health

I think your doing great on savings. But I think to fix your anxiety you could reduce your spending. And not sure if you need to build up that much more EF. Does your general merchandise category include all home items like soap, detergent etc as I see you mention its mostly costco/amazon purchases?...
by N10sive
Fri Aug 10, 2018 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is your monthly expense really that stable or in reality, pretty volatile?
Replies: 46
Views: 3168

Re: Is your monthly expense really that stable or in reality, pretty volatile?

cj2018 wrote:
Fri Aug 10, 2018 3:34 pm
  • oil change: $220 (damn you, jiffy lube) - i drive a Honda and only do oil change stuff probably once and twice per year
If this is just an oil change you are being ripped off.
by N10sive
Fri Aug 10, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Withdrawal for House Down Payment
Replies: 7
Views: 547

Re: IRA Withdrawal for House Down Payment

To clarify, there is no first home 10,000 penalty waiver for 401k distributions. The penalty exception only applies to IRA distributions. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distributions Thank you! This is exactly what I wanted to find out.
by N10sive
Tue Aug 07, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Withdrawal for House Down Payment
Replies: 7
Views: 547

Re: IRA Withdrawal for House Down Payment

1. Penalty free, but not tax free. 2. A loan and a distribution are different things. Many 401(k) plans allow for a loan for a downpayment on a home. Frequently the pay back period is longer than the 5 years for loans for other purposes. 3. Yes. But again, distribution and loan are different. Thank...
by N10sive
Tue Aug 07, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Withdrawal for House Down Payment
Replies: 7
Views: 547

IRA Withdrawal for House Down Payment

A friend was told from another person to withdraw from his 401k to use as a down payment to purchase a condo. I told him this pry wasn't the greatest idea due to all the taxes/fees involved but have brought up a few questions when I did some research. 1. Can you withdraw from a Traditional IRA up to...
by N10sive
Thu Aug 02, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Prioritization of debt repayment vs 401k window
Replies: 10
Views: 511

Re: Prioritization of debt repayment vs 401k window

I would take 14k out of the 26k of your emergency savings and pay the cc off. 14k at 14% I would consider an emergency. Then build back up your emergency savings while contributing to your 401k. You could also look for a 0% credit card balance transfer. Seems like all cards are offering some sort of...
by N10sive
Thu Aug 02, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Lease/ buy a second car for cost savings?
Replies: 18
Views: 686

Re: Lease/ buy a second car for cost savings?

What model minivan is it? If it is a honda or Toyota I would go ahead and just put the mileage on it. It should last awhile and not have much maintenance needed. The only way to save money in this scenario would be to buy an old car. For example a 2000 honda civic if you can find one with say 150k m...
by N10sive
Wed Aug 01, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Time to sell my 2003 Accord?
Replies: 33
Views: 2065

Re: Time to sell my 2003 Accord?

Those items seem like normal maintenance items for a vehicle of that vintage and mileage.
by N10sive
Wed Aug 01, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2385

Re: Should I buy new Nissan Leaf?

I would do it especially with the federal tax reduction offers pry dropping soon/lower along with the unknown with your company credit. I imagine you could get a little more for your prius than 2-3k unless it is in horrible shape.
by N10sive
Tue Jul 31, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: money saving tips for travel to Canada for a month
Replies: 22
Views: 1663

Re: money saving tips for travel to Canada for a month

Alcohol is very expensive in Ontario -- other than some small wine shops, it's basically sold through LCBO (provincial liquor authority) stores &, for beer, Brewers Retail. LCBO also has Vintages shops which have more vintages of wine, etc. Ice wine is a local treat and some Ontario wineries are qu...
by N10sive
Tue Jul 31, 2018 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Settle my claim or elevate issue
Replies: 18
Views: 1497

Re: Settle my claim or elevate issue

For an $800 dollar claim? I would just settle it.
by N10sive
Tue Jul 31, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for "the talk"
Replies: 64
Views: 4934

Re: How to prepare for "the talk"

OP take some of these suggestions with a grain of salt. People come from different backgrounds and have different views on matters that involve family. That being said, One start would be to pay off the student loans you incurred on them if you can. I am not sure what "education has paid off tremend...
by N10sive
Mon Jul 30, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Consistently over budget on food - what are you guys eating?
Replies: 70
Views: 5784

Re: Consistently over budget on food - what are you guys eating?

For example, I can get a Costco size of ground beef and do so many different meals with it (spaghetti, tacos, burgers, etc.) and usually that can last me a week or so. My one downfall are energy drinks which are usually 2 for $4. At drinking one a day, it can really add up. Where do you buy these e...
by N10sive
Fri Jul 20, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 31
Views: 2270

Re: Heart Rate Monitors Fitbit vs. Garmin

I own an old garmin vivosmart without HR. I bought it when it first came out, I think around 4 years now. It still works flawlessly. I've had to replace the band with a pack from amazon for less than 10 bucks. I use the chest mount HR and connects to my watch. Has worked for my purposes of measuring...
by N10sive
Wed Jul 18, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 3937

Re: Did I get ripoff by this car mechanic?

$80 an hour? Where do you live, Kansas? Every car dealer in the greater Ann Arbor area is $110 an hour. Also, how long they had the car is not relevant, since they lookup the work in a manual which has the hours for each thing. If it says 3.0 hours, and they do it in 2 hours, you pay for 3.0. If th...
by N10sive
Wed Jul 18, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about job change but current job gives 9% salary into 401k..
Replies: 27
Views: 3413

Re: Thinking about job change but current job gives 9% salary into 401k..

Consider the $$. Just for math lets say 25% tax rate. So a 9 grand match on an IRA is worth about 11 grand in payroll. If the other guy gives you 10-12 grand in salary you are indifferent. By that I mean its the same thing. Except you can spend it however you wish. While I agree that its just money...
by N10sive
Mon Jul 16, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Did I get ripoff by this car mechanic?
Replies: 37
Views: 3937

Re: Did I get ripoff by this car mechanic?

OP, How long did they have the car? $780 for labor is quite a bit if we say an average $80 per hour which is reasonable in most areas. More expensive cities will be a bit more. So you are roughly saying 10 hours for labor. The only thing I would really dispute is what their hourly rate is and how lo...
by N10sive
Wed Jun 27, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: What is your debt interest rate threshold?
Replies: 57
Views: 3515

Re: What is your debt interest rate threshold?

Why a high priority? The 3-month T-bill rate is 1.93% and the interest rate on his student loan is 1.6%. His wife’s rates are all well over 3%. His Wife has one over 5%. I would at least pay that one off. But again we really don't know much. Depending on their tax bracket they could get a lot of th...
by N10sive
Wed Jun 27, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Another should we buy this So. Cal house thread...
Replies: 42
Views: 2190

Re: Another should we buy this So. Cal house thread...

Would be nice to put our family in a home, but meh. Don't want to barely get by every month, either. Im confused, if its 36% of your NET take home after you have deducted your 401k etc. That means you have NET around 8.5K for monthly expenses? Okay minus child care and car its 7.25k. You will feel ...
by N10sive
Wed Jun 27, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Another should we buy this So. Cal house thread...
Replies: 42
Views: 2190

Re: Another should we buy this So. Cal house thread...

I would second a house inspection during the construction if possible. Or look up other sites the builder has built and reviews. While you hope a new home would come with few issues, I know some areas in SD where the builder cut corners and created headaches for the homeowners later on. Its fine tha...
by N10sive
Wed Jun 27, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: What is your debt interest rate threshold?
Replies: 57
Views: 3515

Re: What is your debt interest rate threshold?

This is probably one of the most common threads on here. This link is referenced in many of them https://www.whitecoatinvestor.com/pay-off-debt-or-invest/ Its not just about interest rate though, you have to look at your complete financial picture: emergency savings, salary, job stability, debt amou...
by N10sive
Wed Jun 27, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10606

Re: Lost out on promotion

I wound up quitting (it was time for many reasons) and in my exit interview the top boss told me that multiple people had approached him to say he should try to retain me and not let me leave. He also told me that until that happened, he had never even heard my name (because of the failure to promo...
by N10sive
Tue Jun 26, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7414

Re: Family dynamics/in laws/am I being petty?

If it's a small group - 6 or less, splitting usually works out as we eat/drink about the same. Sometimes you come out ahead, sometimes not. The worst is a large group with 1 check and everyone "throws" in what they think their amount should be. That is a s--- show in the worst way. It's never even ...
by N10sive
Tue Jun 26, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7414

Re: Family dynamics/in laws/am I being petty?

As some others have mentioned you could just order more expensive meals or drinks to even it out. In my immediate family while no one is married the sibling always try to pay in full the check. Growing up my parents always fought with close friends and family to foot the entire bill. That is just wh...
by N10sive
Mon Jun 25, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Small loan by the way of 0% APR credit card
Replies: 20
Views: 1227

Re: Small loan by the way of 0% APR credit card

You have good credit rating. You could also look into lending club or similar loan companies which average 4-6% apr although the loan amount maybe too small for a decent APR. Lending club I believe doesn't do a hard pull until you apply for the loan.
by N10sive
Mon Jun 25, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Late Saver Approaching Retirement
Replies: 24
Views: 1532

Re: Help! Late Saver Approaching Retirement

I don't think you have too much too worry about. Downsize your house to something 500k or less and you have a decent size retirement if you continue living on 24k a year. I would use your cash to then be able to max your 401k and your Roth IRA now. Since you have this much cash I don't see why your ...
by N10sive
Thu Jun 21, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 33856

Re: What is/ was your career and would you recommend it now?

I honestly believe that going into a trade like plumbing will be more lucrative and stable than engineering. It's one of the jobs that can't be outsourced. Interesting you say this. I too am an EE and currently feel my I am close to my top pay range for me only having a BSEE. To increase that I nee...
by N10sive
Thu Jun 21, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Hands-free solutions
Replies: 15
Views: 675

Re: Hands-free solutions

I would just buy a cheap single din radio head unit. Most come with Bluetooth now. Probably can get away with less than 200 with install. Set it up to automatically connect when the car turns on and senses your phone.
by N10sive
Tue Jun 19, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Do you think it is smart to disclose that you have passive investments to other people?
Replies: 43
Views: 4428

Re: Do you think it is smart to disclose that you have passive investments to other people?

Instead of owning passive investments etc. for example I would much rather have my doctor(example) be a part of an advisory board for say a sports team, technical writer at conferences, etc. Something that would be part of their field, not being a real estate mogul. This is like my last CEO. He was ...
by N10sive
Tue Jun 05, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: storing backpack in Seattle
Replies: 11
Views: 1398

Re: storing backpack in Seattle

Seattle does have limebike, oso, etc littered everywhere downtown/slu/etc. Though they are not the greatest to ride long distances and up the hills in Seattle on. However if you aren't a member you could probably get away with these bikes a lot cheaper than renting from a shop and wouldn't have to w...
by N10sive
Tue Jun 05, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Flight cancelled. Entitle to any compensation?
Replies: 38
Views: 6315

Re: Flight cancelled. Entitle to any compensation?

If it was related to weather then they aren't required to compensate you. If it was due to their error than they should. Recently I was on a southwest flight that was delayed 3 hours, luckily my connecting flight was delayed enough that I made it home at a decent hour. Southwest still gave me a flig...
by N10sive
Tue Jun 05, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Beginner retirement portfolio question.
Replies: 15
Views: 1058

Re: Beginner retirement portfolio question.

Desired asset allocation: Still not sure. I am thinking 100% stocks until I reach age 40. Maybe 80% Domestic and 20% International. Then at age 40 switching to a 3-fund portfolio. As David Jay pointed out one will probably live through a few market downturns in the course of a 30 year savings plan....
by N10sive
Fri Jun 01, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2769

Re: Enterprise vs Avis

Several times having reserved a very low cost car at Enterprise, we got a higher cost for the same price because that is what they had when we showed up :) Yes - also found out that many repair shops have a referral "deal" with Enterprise for customers when their car is in the shop. I have experien...
by N10sive
Fri Jun 01, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do you repay back a 401k loan
Replies: 21
Views: 1883

Re: How do you repay back a 401k loan

It is typically withheld from your paycheck. Sometimes you will have to notify your payroll/HR dept to make sure they take out the payment.

You can usually make additional payments by check to the custodian. But as suggested you will need to read your loan documents and ask your employer.
by N10sive
Wed May 30, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 18281

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Depends on where they go to school, state you live in etc. For example all high school students in my state that went to a state college received so much if their grades were above a certain GPA. This has dwindled down in recent years and may not be offered any more. That offer was not typical of mo...
by N10sive
Wed May 30, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2769

Re: Enterprise vs Avis

True, that's who my wifes company uses. Thought we would get a discount I've noticed the rewards card or whatever given to you from avis for businesses really doesn't provide a discount unless your booking a day before or something similar. If your booking weeks/months in advance you can get better...
by N10sive
Wed May 30, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12974

Re: Have $3m at 33, "approach to career" advice needed

I would find a passion and open your own business around it. It doesn't have to do great but just get by.

Making this much money I imagine you have a good set of skills that you just need to find where it applies best now.
by N10sive
Wed May 30, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2769

Re: Enterprise vs Avis

Big corporation employees don't care the cost. Avis has plenty of business accounts.
by N10sive
Wed May 30, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4910

Re: My mind exploded

Will she have a job during school? I don't see it as that big of a red flag although since your paying for a lot of her things it may seem to you. Graduation money just seems like "gift" money so she bought herself a gift. It could have been $1000 dollars worth of clothes..... If you were my parent ...
by N10sive
Tue May 29, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13079

Re: how do you tip on wine at a restaurant

I read an interesting article over the weekend indicating restaurants are having trouble in cities and states which are raising wages for servers. If servers make $10 or more an hour plus tips, they make so much more than kitchen workers it is causing strife among staff, as well as a financial sque...
by N10sive
Thu May 24, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America ATM card not working internationally
Replies: 38
Views: 2645

Re: Bank of America ATM card not working internationally

If your desperately needing cash, wont a money travel exchange place let you purchase the wanted currency with a credit card? Commonly found at airports. If not you could also try a credit card with a pin. It will be a cash advance type deal but if you really want cash this would be another alternat...
by N10sive
Wed May 23, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13079

Re: how do you tip on wine at a restaurant

But I still think it's illogical to use a strict percentage when buying a $300 vs. $30 bottle of wine at a restaurant. Sure it's illogical. The whole system is illogical and I don't recall reading one post in any tipping thread that argues otherwise. But it is also illogical to stiff people who are...
by N10sive
Tue May 22, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13079

Re: how do you tip on wine at a restaurant

Usually only add a tip if adequate service is provided - drinks are refilled promptly without asking, food is delivered as ordered and in a prompt manner, seating assignments are comfortable and not unnecessarily crowded, etc. Like, if you have to ask for more water you tip $0.00? Or unnecessarily ...
by N10sive
Mon May 21, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3561

Re: Wifi + wired device

honestly adding a wifi pc card might be the easiest solution. It's a fairly expensive solution compared to this, and more trouble. I'm sure why it would be easiest. You can get a pc card n900 for 40bucks and it isn't too difficult to install. same price as the extender. As the previous poster point...
by N10sive
Mon May 21, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3561

Re: Wifi + wired device

honestly adding a wifi pc card might be the easiest solution.
by N10sive
Fri May 18, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13079

Re: how do you tip on wine at a restaurant

I would be very pleased if we moved to a non tip based system as seen in other countries. It would be more fair to servers and diners, and would eliminate the conflict-of-interest upsell. It will be interesting to see how this changes in the next couple years. With the higher minimum wage and other...
by N10sive
Thu May 17, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3201

Re: Brake work estimate

BMW charges $198 for rear brake pads and sensors on a 3 series and $208 on an x3. Your paying $75 more for a ford at an independent mechanic? Now, I haven't done brakes on a new 3 series, but have on an 80's 3 series and 90 M3. The pads can be changed without even removing the calipers. 2 pins to d...
by N10sive
Wed May 16, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 13079

Re: how do you tip on wine at a restaurant

Instead of doing a fixed amount, as one of the links suggested why not adjust the tip percentage. For example your 127 bill you tipped 15, 20% on food and 5 dollar tip for the wine. Which was just over 11% tip on the total. 15% would have been ~19 dollars. If you ordered a 1k bottle of wine you coul...