Search found 799 matches

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: 3624

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: 73
Views: 8017

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: 73
Views: 8017

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: 885

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: 885

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: 1251

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: 74
Views: 7269

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: 74
Views: 7269

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: 1421

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: 74
Views: 7269

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: 1379

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: 1379

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: 59
Views: 5838

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: 1967

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: 6368

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: 5471

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: 190
Views: 22611

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: 1911

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: 6837

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: 3639

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: 2429

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...
by ladders11
Thu Feb 01, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: How to find a job in a different state?
Replies: 31
Views: 2337

Re: How to find a job in a different state?

Mrpotatohead is right, Corporate America is incompetent. They are most horrible at hiring and the process us full of misbegotten ideas. Steel yourself for direct and indirect criticism about your move. You could be moving from Hell to Heaven, People will ask about who you know there, why you're goin...
by ladders11
Sat Jan 27, 2018 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: If you lost your job
Replies: 19
Views: 2957

Re: If you lost your job

I wouldn't necessarily do this. I think there's a high correlation between cost-of-living and jobs, meaning a high cost-of-living area is more likely to offer you a job faster. I would agree there is a correlation between high-density and jobs, but HCOL don't have a monopoly on jobs. Many SE and SW...
by ladders11
Fri Jan 26, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Excel for Personal Finance Accounting ?
Replies: 42
Views: 4509

Re: Excel for Personal Finance Accounting ?

Excel 2016 has preloaded templates provided by Microsoft for this. There's a Family Budget or another called Expense Trends Budget which are pretty good.

https://templates.office.com/en-us#categories

Look under Budgets or Financial Management.
by ladders11
Fri Jan 26, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: If you lost your job
Replies: 19
Views: 2957

Re: If you lost your job

Got me wondering about what I would do if I lost my job and had to make a change. I think I would probably move to a lower cost of living area, or maybe move in with my parents. I wouldn't necessarily do this. I think there's a high correlation between cost-of-living and jobs, meaning a high cost-o...
by ladders11
Sat Jan 13, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1740

Re: Storing Important Documents Online

I also don’t feel comfortable storing this sensitive data online. I keep my KEEpass file local. I suppose if you froze your credit, and put the documents in fidsafe with an extremely strong password while traveling, then delete the file when you return home the chance of compromise would be low. I ...
by ladders11
Wed Dec 27, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: How can I obtain compensation data?
Replies: 41
Views: 4892

Re: How can I obtain compensation data?

Salary com has good data. Companies use compensation consultants like Mercer, Aon, Towers Watson, Korn Ferry. They share their salaries with survey providers to get a discount in buying the results (can cost thousands). They can't share with each other directly because its collusion and would gave a...
by ladders11
Wed Dec 27, 2017 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: wisdom of buying a car about to be discontinued
Replies: 17
Views: 2832

Re: wisdom of buying a car about to be discontinued

I think it will have fair resale. Buying used is safer. Driving a car like that until the value is down to $5-8k allows cash buyers, teens, and Uber drivers to take interest. I have a hybrid c-max myself, don't hesitate to ask any questions you may have. 44mpg. It is underappreciated which means peo...
by ladders11
Fri Dec 08, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 6758

Re: It's that time of year again... buying christmas gifts

Only time I've given a boss a gift it was a tiny company where I worked directly with the owners, the gift was just a nice gold Christmas ornament (~$15) and got one for the coworker. Seemed to get sincere appreciation being obviously just a gesture related to the holiday. I would suggest something ...
by ladders11
Thu Dec 07, 2017 1:55 am
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 6466

Re: Recommended places to live

better for allergies and asthma more greenery and some scenery near water or mountains in the background climate of the actual 4 seasons with neither a dominant summer or winter excellent value low cost of living low taxes Well I've summarized. I don't think anything listed so far matches all these...
by ladders11
Tue Dec 05, 2017 1:19 am
Forum: Personal Consumer Issues
Topic: Trip to Los Cabos - do I need to have Pesos?
Replies: 12
Views: 1509

Re: Trip to Los Cabos - do I need to have Pesos?

Personal opinion get $2000 pesos ($100 USD) at your home bank to take with you for tips and emergencies. There's ATMs everywhere but with extra charges. Find your bank's nearest ATM to your hotel online before you get on the plane. Use a no FTF credit card where you can. But expect some places don't...
by ladders11
Mon Nov 20, 2017 1:07 am
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 3469

Re: Are expensive tires worth it?

Agree with the sentiment, don't be too cheap about tires, or shoes... drive safely!
by ladders11
Mon Nov 20, 2017 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Job offer negotiation - help
Replies: 6
Views: 1251

Re: Job offer negotiation - help

First, you need to determine the market value of your job. Secondly, use Glassdoor to lookup what BoA is paying for your job; it should be listed. This will prepare you to negotiate. Once everything has been discussed and offered, evaluate their package. Consider how much over time you’re going to ...
by ladders11
Tue Oct 24, 2017 2:37 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 68474

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

For those of us holding VTI, VT, and BND at TD, would it be better to just pay the new transaction fee, or find equivalents from the new no-fee list? If so, what would be good equivalents? Thanks! VTI ~ SPTM BND ~ SPAB VT ~ There is no equivalent for VT. There is a fund ACWI which is similar but ex...
by ladders11
Sat Oct 21, 2017 8:36 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 68474

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

I've read this entire thread, and others, as well as the wiki (https://www.bogleheads.org/wiki/Three-fund_portfolio#Other_than_Vanguard.2C_Boglehead-style ) and am still confused. Can someone please confirm or correct the following: If you have or will have a tax advantaged account at TDA (such as ...
by ladders11
Fri Oct 20, 2017 3:38 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 68474

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

It's as if you bought a jar of cookies. You worked hard all week to earn your money, and spent time going to the store and picking out your favorite cookies for your jar. Then one evening you feel hungry and head to your kitchen. Right when you reach for your cookie jar, it disappears! Before you fi...
by ladders11
Thu Oct 19, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 68474

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Am I the only one that thinks this is kind of insidiously bad? No, you're not! The old commission-free ETF list followed a central philosophy, that TDA delineated as follows: “A better way to invest in ETFs” “100+ commission-free ETFs from leading providers with Morningstar research and ratings and...
by ladders11
Tue Oct 17, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 68474

Re: Fellow TDA bogleheads

I doesn't just seem financially inconsistent, it seems completely reactionary. It comes across as one of those customers that thinks everything should be free for them and as soon as it isn't they blame the company as if it was a personal attack. Expects everything to be free for them... because th...
by ladders11
Tue Sep 12, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Three days in Prague during September
Replies: 19
Views: 2174

Re: Three days in Prague during September

bertilak wrote:
Tue Sep 12, 2017 10:46 am
Three Days in Prague

Wasn't that an Alfred Hitchcock movie based on a LeCarre book?
I wish this existed! However Hitchcock, 1899-1980, mostly predated Le Carre, whose novel Spy Who Came in From the Cold was published in 1965.
by ladders11
Tue Sep 12, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 23169

Re: Is it really Worth it to brown bag your lunch at work?

What is more compelling is trying to half brown bag. Has anyone tried this? Lets say you buy some of those individual potato chip packs. Buy yourself a case of soda, water, or juice. Then, you get a sandwich (only) from a restaurant and eat the chips you have conveniently stored in your trunk. Fries...
by ladders11
Sun Sep 03, 2017 12:41 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 16336

Re: Florida Hurricanes: When and where to go?

Lived three miles from the Atlantic for two years, and sat through two hurricanes. I was never ordered to evacuate and I'm pretty sure the only people who were, lived right on the beach. The thing to prepare for is more the loss of electricity, and basically all the stores and restaurants closing. Y...
by ladders11
Sun Sep 03, 2017 12:19 am
Forum: Personal Consumer Issues
Topic: Does anyone use Driving Shoes?
Replies: 40
Views: 5033

Re: Does anyone use Driving Shoes?

I used to have some canvas driving shoes (bought for around $30) made by a company called GBX. I usually hate cheap shoes; I usually avoid the driving moccasin look. However, these were a good fit for me and I found there was something to be said for the comfort and convenience of driving in a shoe ...
by ladders11
Wed Aug 02, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Finance as a college major?
Replies: 50
Views: 5635

Re: Finance as a college major?

I was an accounting major undergrad. Got my CPA and an MBA in Finance. Worked in private equity last 30 years. There is no doubt IMO that you can make more money in Finance than just about anything else. BUT IMO the last 30 years have been the golden age of finance; I think the next 30 years are go...
by ladders11
Wed Aug 02, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Cabins - "investments" or "consumptive purchases"
Replies: 38
Views: 4016

Re: Cabins - "investments" or "consumptive purchases"

Certain requirements of a cabin are inherently consumptive. You need gas to get there and back: that's an expense. If you need to buy furniture, dishes and housewares that won't have much resale value: those are expenses. You might also have utilities (internet, electricity, gas) and lawn care expen...
by ladders11
Wed Aug 02, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 49
Views: 6324

Re: Why is everything done with a mouse?

I have a touchscreen convertible laptop, and love it for reading/scrolling down. It's also speedy for filling out forms.

I know a lot of the Excel keyboard shortcuts for work, but if I don't use them I forget.
by ladders11
Wed Aug 02, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Should I spend 5k annually on travel?
Replies: 74
Views: 8476

Re: Should I spend 5k annually on travel?

I also agree with the $5k annual travel expenditure. If you didn't want to spend $5k, you could take a trip closer to home. I would expect that travel is healthy for your marital relationship and life satisfaction, and an annual trip can be critical maintenance that you don't want to risk foregoing....
by ladders11
Sat Jul 08, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 8711

Re: What to wear for job interview - skip the tie?

Does weather change anyone's vote? If it's summer, and you are in Phoenix or Houston. You know you will need to park and walk in. Do you relent and skip the tie to avoid sweating buckets?

Personally, I keep the jacket, which covers the sweat, and skip the tie, which exacerbates it.
by ladders11
Tue Jul 04, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to learn about income of sales people in certain field?
Replies: 8
Views: 1596

Re: How to learn about income of sales people in certain field?

What the HR Compensation department does is submit anonymous information about how people are paid to salary surveys through consulting companies. They receive information in return which indicates how the industry pays and can compare what they pay. Whether they wish to offer high, low or average p...
by ladders11
Sun Jun 04, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Chicago Real Estate
Replies: 24
Views: 3471

Re: Chicago Real Estate

Il is really done for. Most people just have no idea how bad it really is yet. The upper income knowledge jobs are leaving. It will be very interesting to see what happens when companies can no longer attract top talent in the long term to fill positions. I know head hunters are starting to see thi...
by ladders11
Sun May 28, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Retiring in southern college town
Replies: 78
Views: 7825

Re: Retiring in southern college town

I'm going to throw a curve ball out there -- what about Auburn, Alabama? It's not coastal but you are maybe a 2 hour drive from the Panama City beaches. Dothan, AL is not really a college town but has a cool small town feel. You are maybe 1 hour from Panama City FL there. I spent quite a bit of tim...