Search found 779 matches

by ladders11
Sun Feb 18, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: New Job Evaluation
Replies: 29
Views: 1900

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: 2052

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: 2576

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: 3467

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: 2576

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: 1341

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: 38
Views: 3637

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: 2536

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: 6185

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: 5588

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: 1313

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: 2849

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: 1086

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: 549
Views: 57820

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: 549
Views: 57820

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: 549
Views: 57820

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: 549
Views: 57820

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: 549
Views: 57820

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: 1953

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: 20901

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: 14703

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: 4588

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: 4993

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: 3574

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: 5746

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: 7990

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: 5332

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: 1441

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: 3128

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: 7216

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: 2134

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: 3564

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: 3998

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: 4264

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: 11441

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: 1339

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 ...
by ladders11
Thu May 11, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: Long distance move, issues/costs
Replies: 11
Views: 1274

Re: Long distance move, issues/costs

Amtrak has a freight service which ships 3ft sq boxes for $49. You could try this or just FedEx ground ship. Personally I would 86 the dresser and sofa and repurchase, because those are the only items that need trucking. You will incur costs in the thousands to save those two. Are they worth it? If ...
by ladders11
Wed May 10, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 3687

Re: Sunscreen for men in office environment

Chemical sunscreens irritate my eyes, so I look for the physical (zinc) sunscreens. This is where stuff gets you looking white. As a result, I use a lightly tinted sunscreen from Paula's Choice. It has a matte finish and blends perfectly with my skin tone. It is expensive, and I don't care.
by ladders11
Tue Mar 21, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Cord cutting: Masters Golf
Replies: 18
Views: 2598

Re: Cord cutting: Masters Golf

Masters.com and CBS.

And watch US Open or The Open online as well.

These are all good.
by ladders11
Sat Feb 11, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Payment Method for Private Used Car Sale
Replies: 43
Views: 3479

Re: Payment Method for Private Used Car Sale

Making the deal at the bank worked great for me, the teller counted the cash and a banker notarized the paper. Where I live you need a notary, be sure to check your state.
by ladders11
Sun Feb 05, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Walkable Florida
Replies: 17
Views: 2232

Re: Walkable Florida

You could live downtown in St Petersburg or Tampa. They have nice places with different price ranges. They are reasonably dense and active but not especially crowded. I don't think Bradenton, Sarasota, or Fort Myers have a real downtown. But if you live near a strip mall with a Publix, it will be ve...
by ladders11
Mon Jan 30, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?
Replies: 49
Views: 4086

Re: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?

Driving a RWD V8 today is like riding a brontosaurus.

My Grandma had one, and it was nice to have plenty of power, but two caveats were I basically had to look for parking in the back of the lot, and it took premium fuel.

Add to this, snow handling would suck.
by ladders11
Mon Jan 30, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Need a good commuter car fairly soon
Replies: 86
Views: 7889

Re: Need a good commuter car fairly soon

Ford CMax hybrid, used, around 10-14k
by ladders11
Mon Dec 19, 2016 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Deductible IRA Contributions Could Leave You Taxed Twice
Replies: 8
Views: 1386

Re: Non-Deductible IRA Contributions Could Leave You Taxed Twice

Thanks all. This has helped me come to terms with it. It is hard to explain how confused I have been. I've had to hike my 401k contributions since I realized I can't deduct traditional contributions anymore. On some level it makes good sense to be contributing to a Roth anyhow, given my time horizon...
by ladders11
Sun Dec 18, 2016 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Deductible IRA Contributions Could Leave You Taxed Twice
Replies: 8
Views: 1386

Non-Deductible IRA Contributions Could Leave You Taxed Twice

Hey, I've made a mistake and really feel like :oops: Last year I deducted a $5,500 traditional IRA contribution, problem being I was not actually eligible to do so. I was part of an employer plan for the first time in 5 years, and exceeded the income limit for deductibility (two bonuses, a relocatio...
by ladders11
Wed Dec 14, 2016 9:16 pm
Forum: Personal Consumer Issues
Topic: Cancun / Playa de Carmen – transportation issue with infant and toddler
Replies: 11
Views: 1497

Re: Cancun / Playa de Carmen – transportation issue with infant and toddler

You can indeed arrange day trips/tours from your hotel, carrying the children and their gear. I'm not sure how much a taxi would cost since your destinations are up to 3 hours away from where you are staying. However, the cost of arranging these alternate modes of transportation will exceed a week's...
by ladders11
Thu Nov 24, 2016 6:52 pm
Forum: Investing - Theory, News & General
Topic: Why International Stocks
Replies: 73
Views: 9348

Re: Why International Stocks

4. I don't understand why the beginning point for a person's portfolio should have anything to do with the makeup of all the global equity markets. It also seems that a lot of investors on here talk about the importance of using the global market weights for US:Int when designing their portfolio, b...
by ladders11
Sun Nov 20, 2016 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Severance Package Taxes
Replies: 10
Views: 2284

Re: Severance Package Taxes

Severance is taxed the same as regular salary income. Severance payments are subject to social security and Medicare taxes, income tax withholding, and FUTA tax. However, the withholding will possibly be different. There's actually a separate withholding covered in IRS Publication 15. Severance is p...
by ladders11
Sun Nov 20, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Paid Loss Ratios for Car Insurance
Replies: 7
Views: 1028

Re: Paid Loss Ratios for Car Insurance

I thought the article was interesting. The concept of a "different kind of company," whether a mutual, co-op, shareholder or employee owned business is compelling and there are plenty of positive experiences. Vanguard is one such example, USAA is another and Publix supermarkets is another. However, ...
by ladders11
Sun Nov 20, 2016 7:22 pm
Forum: Personal Consumer Issues
Topic: Re: Where to buy a Vanguard hat? An Update and good news
Replies: 122
Views: 21070

Re: Where to buy a Vanguard hat?

Honestly I like the Vanguard logo and wouldn't mind a hat or shirt with that ship, or a similar ship.

However, all I can find is this.
Image