Search found 793 matches

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: 6881

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: 6881

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: 1313

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: 6881

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: 1295

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: 1295

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: 5741

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: 1831

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: 48
Views: 5078

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: 5248

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: 22232

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: 1809

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: 6477

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: 3516

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: 2392

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: 2281

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: 2913

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: 4322

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: 2913

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: 1686

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: 4798

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: 2778

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: 6702

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: 6360

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: 1464

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: 3376

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: 1217

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: 562
Views: 66434

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: 562
Views: 66434

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: 562
Views: 66434

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: 562
Views: 66434

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: 562
Views: 66434

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: 2132

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: 22983

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: 16186

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: 4993

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: 5544

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: 3967

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: 6242

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: 8383

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: 53
Views: 6687

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: 1573

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: 3426

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: 7743

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...
by ladders11
Sat May 20, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: How to pick up good tires for the car?
Replies: 22
Views: 2348

Re: How to pick up good tires for the car?

You can look up on line how tires are specifically rated , and maybe if you're lucky you'll find a consumer report or similar that compared 2 tires you were debating. Yes, the government rates all new tires for treadwear, traction and temperature. https://en.wikipedia.org/wiki/Uniform_Tire_Quality_...
by ladders11
Sat May 20, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 3823

Re: Chandler, AZ

As a long time resident , I would also like to point out if you can afford a luxury home you can probably also afford to leave for most or all of the summer :sharebeer . Half of the Phoenix metro area is up north or in San Diego in July and August . As Phoenix and other "nether" regions gain popula...
by ladders11
Sat May 20, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 4451

Re: What goes in your smoothie?

Banana, spinach, strawberries, blueberries, and orange juice. I tend to prefer frozen berries. Sometimes, I will add plain yogurt; sometimes, other fruits like avocado, cucumber, or mango; other leafy greens work too. I don't like using water or ice.
by ladders11
Sat May 20, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Bad experience with 'rescuing' a lost dog
Replies: 38
Views: 4576

Re: Bad experience with 'rescuing' a lost dog

Once I found a lost little dog who was not only wearing a collar, but also dragging a muddy leash around. How could this be? I walked all over the community half expecting the owner to be standing there. However, the only people outside had no idea whose dog this was. I took it back to my apartment ...
by ladders11
Thu May 18, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 13661

Re: Which Small SUV for 15 Year Reliability?

I have seen studies that show reliability differences level off after 6-7 years. Meaning the most and least reliable makes and models need repairs all the same.

I agree with the sentiment that you need to really love something to keep it 15 years. Get what suits you best.
by ladders11
Sat May 13, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 9
Views: 1446

Re: Car Rental in Mexico

Rented a car there and generally enjoyed it. It was nice to drive around and see whatever I wanted. Surprises: 1) Needed air in the tire. LOTS of speed bumps, I noticed a slow leak on the first day. Needed to use my gringo spanish to get air in the tire and the man showed me a "milagro" which was a ...