Search found 828 matches

by ladders11
Thu Nov 07, 2019 1:09 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 64
Views: 6233

Re: Airbnb - Guide a beginner

All else being equal you should stay in a hotel. Something I observed last time I traveled - hotel rates are actually pretty good right now. So many young people think airbnb first and have an odd dislike of hotels. Hotels are typically much more regulated, safer and cleaner. They're easier to find ...
by ladders11
Sun Nov 03, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Website that shows salary/benefit/401k information for companies?
Replies: 22
Views: 1970

Re: Website that shows salary/benefit/401k information for companies?

There is no database of salaries. Of course there is - Glassdoor, Salary.com, and (mostly California tech) levels.fyi or blind. Whats debatable is how accurate they are since everything is self reported by a small % of employees and not verifiable. HR departments typically buy access to proprietary...
by ladders11
Sun Nov 03, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: Website that shows salary/benefit/401k information for companies?
Replies: 22
Views: 1970

Re: Website that shows salary/benefit/401k information for companies?

I know firsthand that companies can have negative reviews removed, if they're a paying customer of Glassdoor. Could you elaborate on this? I have a friend who is an engineer at Glassdoor and he insists that isn’t possible. I witnessed a couple of negative reviews being removed from a company's page...
by ladders11
Thu Oct 31, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Do I Have a Crummy Local Government Pension?
Replies: 51
Views: 4107

Re: Do I Have a Crummy Local Government Pension?

If you are only working part of your career in a pension job, the math works out much better if the pension job comes at the end of your career than at the beginning. That's just a fact of life and the result of two factors: (1) inflation, and (2) compound returns. This is good thinking and why I f...
by ladders11
Tue Oct 29, 2019 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Have a Crummy Local Government Pension?
Replies: 51
Views: 4107

Re: Do I Have a Crummy Local Government Pension?

If you are only working part of your career in a pension job, the math works out much better if the pension job comes at the end of your career than at the beginning. That's just a fact of life and the result of two factors: (1) inflation, and (2) compound returns. This is good thinking and why I f...
by ladders11
Tue Oct 29, 2019 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a short career break in silicon valley
Replies: 13
Views: 3161

Re: Taking a short career break in silicon valley

If you are okay with, or even enjoy, your employer, then the question becomes more about them. Can you secure the appropriate assurances about your rehire and the terms thereof? If you would be on the open market, then the question is more about the value of your skills and how long it would take to...
by ladders11
Sun Oct 20, 2019 9:45 am
Forum: Personal Investments
Topic: 401(k) to 401(k) rollover considerations
Replies: 7
Views: 555

Re: 401(k) to 401(k) rollover considerations

Fees are not just expense ratio, right? Most of my 401k's (job hopper here) have swiped a random amount of money per quarter as the admin fee. Usually it seems to go up as the balance increases. They are not all equal.
by ladders11
Sun Oct 20, 2019 9:39 am
Forum: Personal Investments
Topic: On the fence with I bond- do you agree with this article?
Replies: 29
Views: 2430

Re: On the fence with I bond- do you agree with this article?

When you have state or city income taxes, they are worth it to me. If you use i-bonds as emergency fund savings. When savings account and cd rates are lower, the i-bonds are much better. You also get the deferral so you gain the ability to shift the income to a lower tax year if you are unemployed o...
by ladders11
Fri Oct 11, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statements-Save Paper Ones? Electronic?
Replies: 35
Views: 1901

Re: Credit Card Statements-Save Paper Ones? Electronic?

As long as I still have the account open, I save nothing from credit card providers. All the info exists online and could be gathered. Keeping either paper records or pdfs on my own pc just duplicates effort and increases risk of loss or theft. If I have closed an account in the past I've saved a ze...
by ladders11
Wed Apr 10, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 5818

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

I purchased the 2019 CX-5 Signature model with the 2.5L turbo engine in January. I am very happy with this car. I've driven in snow in the rocky mountains in combined city and highway driving and am getting decent gas milage so far. You can run it with regular or premium fuel, your choice. It handl...
by ladders11
Wed Apr 10, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: Mini split AC - thoughts?
Replies: 23
Views: 2001

Re: Mini split AC - thoughts?

Lived with a mitsubishi mr slim as a renter. Super quiet, unobtrusive and strong. Had a minor issue with condensation drainage (hot and humid climate) but resolved it myself. Loved it overall, so much better than window units.
by ladders11
Wed Apr 10, 2019 1:47 am
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 5818

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

I have driven the non-turbo, it handles and accelerates better than anything in this class and price range (rav-4, crv, sportage, escape, etc). I guess there are always people with a luxury background, or who are unable to put their foot down quickly, that may perceive it to be underpowered, but it ...
by ladders11
Wed Apr 10, 2019 1:40 am
Forum: Personal Consumer Issues
Topic: Robot vacuum cleaner - need recommendation
Replies: 13
Views: 1131

Re: Robot vacuum cleaner - need recommendation

My eufy cost 100-125 and I do like it. I only have two carpeted rooms on a single floor, hardwood kitchen and hallway. No kids or pets. It took some getting used to because it doesn't really work in a discernible pattern.
by ladders11
Wed Apr 10, 2019 1:34 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 51
Views: 5195

Re: Grand Canyon and Sedona

I have done this whole trip actually in reverse direction. I would suggest you arrive and stay in Vegas that day. Get up early the next morning and tour Hoover Dam, driving the 5 hours to the GC. You can either stay in Tusayan/GC Village right there, or if you have any interest just spend the evenin...
by ladders11
Sat Mar 09, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL
Replies: 69
Views: 6298

Re: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL

I have driven several cars in this segment, CX-5 would be my choice. I would own one if they were a few thousand cheaper. Second choice would not be RAV-4 or CRV but most likely the Rogue based on their availability and saving money. Rogue does everything better than okay and lists much cheaper.
by ladders11
Fri Feb 15, 2019 5:22 am
Forum: Personal Consumer Issues
Topic: Serpentine Belt Squeal
Replies: 15
Views: 1794

Re: Serpentine Belt Squeal

I had this problem but it was fixed by getting a new belt. Maybe it is the type of belt? I switched from a Denso to a Goodyear Gatorback.
by ladders11
Sun Nov 25, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 3241

Re: Time to buy/lease an electric or hybrid?

So you are looking at a one-off opportunity to buy a used Volt, especially the 2016 with 50 miles of EV range, for like 16-22k with options. If you are cool with that go for it. Realize I may sound like a car salesman but life doesn't offer many chances to buy something for 16k that sold for 33k on...
by ladders11
Fri Nov 23, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: HSBC online savings; comments?
Replies: 14
Views: 1607

Re: HSBC online savings; comments?

I opened online savings, cc and checking with HSBC 12-13ish years ago. I actually worked near a branch which seemed convenient in comparison to other online banks, and they have different footprint with branches around the world. Rates were good and bonuses were offered. About 6 years ago I tried to...
by ladders11
Fri Nov 23, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Renting car in Chicago - Christmas - what to expect?
Replies: 14
Views: 1394

Re: Renting car in Chicago - Christmas - what to expect?

If there is a blizzard or a foot of snow, I would recommend not going to Chicago or relying on the L train. If there is "some" snow like a few inches, the freeways and main roads will be taken care of, so you can drive from point A to point B if you go carefully. At no point would anyone utilize cha...
by ladders11
Wed Nov 21, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Time to buy/lease an electric or hybrid?
Replies: 22
Views: 3241

Re: Time to buy/lease an electric or hybrid?

Regardless, give due consideration to more conventional hybrids than the Volt. You pay a non-trivial price premium for the Volt, and your commute round trip being near the maximum electric-only range will accrue battery charge cycles rapidly. As far as the battery goes - GM thought of this and does...
by ladders11
Wed Nov 21, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 16607

Re: Black Friday 2018

I just bought a sound bar, figuring if the price drops I will ask them to refund it or just return it and re-buy it. I used to keep Discover price protection in mind however they have discontinued this service.
by ladders11
Wed Nov 21, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Landlords: Where do you buy your fridges?
Replies: 15
Views: 2504

Re: Landlords: Where do you buy your fridges?

I used to work in property management and any fridges we bought came from Lowe's or HD most of the time. Nothing special.
by ladders11
Wed Nov 21, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 53
Views: 23370

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

Yeah both AAA and GEICO and anyone else providing Roadside Assistance is just contracting out any actual vehicle service to a local. When I started driving I had AAA and now still carry GEICO more as a security blanket and convenience than anything else, it has basically paid for itself since I do s...
by ladders11
Wed Nov 07, 2018 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 52
Views: 5805

Re: New job concerns

Yeah, this type of thing has happened to me, and I suspect it is pretty common. You're aware they're selling you on the company, and you expect them to perform some window-dressing with regard to benefits and work-life. You aren't dumb, but they wind up "working" you literally and figuratively. Once...
by ladders11
Sun Nov 04, 2018 1:20 am
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 9181

Re: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]

It makes me sad these people are focused SO much on retirement like it’s the holy grail. They say they wouldn’t do anything differently if they had more money but I don’t believe that. Like if you’d won the lottery you’d still only drink $5 bottles of wine ($5 bottles mentioned in the article)? No,...
by ladders11
Wed Oct 24, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4888

Re: Canada Goose Jacket

Does anyone find themselves wishing for better insulating data to characterizing winter coats? The common down metric now is fill power, which is basically insulating value per pound but says nothing of (1) the total insulation mass or (2) insulating materials other than down. Occasionally you can ...
by ladders11
Fri Oct 12, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: 1.5 liter wine
Replies: 52
Views: 11967

Re: 1.5 liter wine

Yes to boxed wine, due to the fact I like to enjoy one glass by myself with dinner. No matter how I close a bottle it gets worse the next day. The boxed wine doesn't spoil for a week after opening.
by ladders11
Thu Oct 11, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: Can a Person Under 21 Rent a Hotel Room?
Replies: 15
Views: 1647

Re: Can a Person Under 21 Rent a Hotel Room?

I don't think there's any "minimum age" but they always ask for a credit card and put a hold on that card for "incidentals"

Even completely prepaid reservations ask for the credit card, so I would call to confirm what they do if you don't have one
by ladders11
Thu Oct 11, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 92
Views: 7833

Re: Anyone here major in Economics in college?

BA, Economics. I was "undecided" for too long, and ultimately relied upon the wrong indicators (what courses I enjoyed, etc). The reality of Master's or PhD work in Economics is it's a calculus and mathematics application, biased towards those who are skilled in those areas (not me, lol). So, what w...
by ladders11
Tue Sep 18, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Does this job exist (another want-to-quit-corporate-world thread)?
Replies: 35
Views: 3919

Re: Does this job exist (another want-to-quit-corporate-world thread)?

Property manager at a Small company. Time spent at properties meeting prospective tenants or arranging maintenance. Slow fall and holiday seasons. If you limit your number of clients you can do this only part time.
by ladders11
Sat Sep 15, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 10335

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

[/b]Also, I'm curious what colors shoe people rotate between. $250 + shoes 2 Black 1 Brown I personally can't stand chestnut, and I haven't worn my black Park Aves in years. So it's all about the chocolate brown shoes and a pair of reddish brown I also have black dress shoes I never wear. And a pai...
by ladders11
Sat Sep 15, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 75
Views: 10335

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

What about rain? That can be worse than snow. Yes, I think it's the rain that did them in. That and perspiration. I only walk 5 blocks in the rain to get to the subway, and obviously don't step in puddles, but I guess that's been enough to ruin them. Grr, what is the point of shoes you can't wear o...
by ladders11
Sat Sep 15, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Upcoming visit to Charleston, Flood issues of overhyped media?
Replies: 10
Views: 978

Re: Upcoming visit to Charleston, Flood issues of overhyped media?

Also, look out for gas shortages, big storms mean some stations run out of gas and trucks can't instantly arrive with new shipments.
by ladders11
Sat Sep 15, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Upcoming visit to Charleston, Flood issues of overhyped media?
Replies: 10
Views: 978

Re: Upcoming visit to Charleston, Flood issues of overhyped media?

Places to definitely not travel in the next few weeks are in North Carolina, within a few hours drive of the coast, for example Outer Banks and Wilmington. I also wouldn't want to go to Raleigh, Columbia or Greenville next week. I guess Asheville is undertaking flood preparations like sandbagging. A...
by ladders11
Sat Sep 15, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: PSA: Cross country relocation expenses
Replies: 13
Views: 1456

Re: PSA: Cross country relocation expenses

Cross country relocation expenses are definitely first-world problems. Sort of like "grass is greener" syndrome with the exception that neither CA or TX has particularly green grass. Your mortgaged quarter acre of TX grass/dirt is cheaper, but your summers will be very humid. When you price it out, ...
by ladders11
Tue Aug 14, 2018 12:30 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 97
Views: 10873

Re: When is leaving your job that pays well a good idea?

Studies show that happiness is a U curve throughout ones life. It starts high in the early 20's then declines gradually where it reaches a nadir at 45-50. It peaks again in the 60's. What does this mean? Is it our careers that cause our unhappiness from 25-60? Or is it because our daily struggies w...
by ladders11
Tue Aug 14, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 97
Views: 10873

Re: When is leaving your job that pays well a good idea?

I would be retired if I had $2 million. At age 30? You're dreaming. A safe withdrawal rate at that age would probably not be more that 3%, so 60k a year for two (not sure if kids are involved). Yes even if I were 30, and no I'm not dreaming. All through my 20's I never spent more than 30k per year....
by ladders11
Tue Aug 07, 2018 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for jobs out of state
Replies: 19
Views: 1544

Re: Applying for jobs out of state

Large employers pay relocation, but not for every role. Small employers do not pay relocation. If there's someone local now, they'll be favored. Both types of employer express concerns about hiring someone out of state. Some concerns are specific to the hiring process, meaning they're anxious about ...
by ladders11
Tue Aug 07, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 97
Views: 10873

Re: When is leaving your job that pays well a good idea?

I would be retired if I had $2 million.
by ladders11
Sun Aug 05, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Pricing a used car to sell
Replies: 27
Views: 1495

Re: Pricing a used car to sell

I took my old Corolla to CarMax and got lowballed. If you have a sub $5k car, people can pay cash. If your car is over $5k, it's more complicated because they'll want to finance it. If you post on Craigslist, be prepared for people to send you some zingers. I got the sense people saw my price and j...
by ladders11
Sun Aug 05, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Pricing a used car to sell
Replies: 27
Views: 1495

Re: Pricing a used car to sell

I took my old Corolla to CarMax and got lowballed. If you have a sub $5k car, people can pay cash. If your car is over $5k, it's more complicated because they'll want to finance it. If you post on Craigslist, be prepared for people to send you some zingers. I got the sense people saw my price and ju...
by ladders11
Sun Jul 15, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 63
Views: 7721

Re: Is expensive olive oil worth it?

I have used Bariani from California (ordered from a major online retailer) and California Olive Ranch from the store. Both were perfectly good for my uses however I'm no gourmet. The Bariani oil was unflitered and had the date of harvest stamped on the label. Being informed about the issues with the...
by ladders11
Mon Jun 18, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 2292

Re: One handed Android phone?

I use an Alcatel one touch idol 3. Chosen because I carry it in my front pocket, it is slim and I believe 4.5 or 4.7 inches. It was just $100 and unlocked android.
by ladders11
Sun Jun 17, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 55
Views: 7352

Re: Has Anyone Tried Youtube TV?

Tried it and it is great! I am actually canceling because I'm getting free cable, it's summer and I'll be traveling. However I expect to go back.
by ladders11
Sun Jun 03, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 6137

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

Analyst jobs in Phoenix paying 110k would be pretty impossible to find. I would be excited for a salary of 90k.
by ladders11
Fri May 25, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 34168

Re: High End Wrist Watches (Gone Crazy)

It always fascinates me that so many people feel the need to barf on any thread that talks about high end watches. "I use my phone" "I don't wear a watch" "A $10 Timex tells time better" Yeah, we get it. You started this thread to claim you might get an IWC, and then finished it with a huge picture...
by ladders11
Fri May 25, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Rental car in Denver, CO
Replies: 22
Views: 2206

Re: Rental car in Denver, CO

I have rented in Denver. My only advice is don't get a car that's too low to the ground. It is a flat town, however: there's a lot of drainage ditches. It was hard to go slow enough that the car wouldn't bottom out and I was worried I'd damage it.
by ladders11
Sun Apr 22, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: "How to Engineer your Layoff" book, has anyone read it?
Replies: 27
Views: 10905

Re: "How to Engineer your Layoff" book, has anyone read it?

An ebook that costs $75 is insane, what a rip-off. There is no way I would buy this and would highly suggest everyone avoid it as well. Meanwhile, I succeeded at the tactic of engineering my layoff. It was remunerative but emotionally draining. There was a toll to it. Friends were laid off. Next job...
by ladders11
Wed Mar 07, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: What if you have a poorly rated car?
Replies: 47
Views: 3916

Re: What if you have a poorly rated car?

I've seen evidence that once cars reach 6-7 years old, they're all pretty much the same.
by ladders11
Sun Feb 18, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: New Job Evaluation
Replies: 30
Views: 2676

Re: New Job Evaluation

What you might want is to pivot to a Financial Analyst type role. There's tons of large corporate HQs in Stamford/Greenwich and you'd probably find work much less "taxing" and more financially rewarding. You can enter Internal Auditor II (assuming you're intermediate level?) into Salary.com with you...