Search found 159 matches

by pejp
Sat Jan 19, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Son moving to Denver from California
Replies: 47
Views: 3706

Re: Son moving to Denver from California

I have an AWD Honda CRV and live in Denver. I’ve got winter tires, mounted on some basic rims, and I just get them switched out each season. For driving around Denver, I don’t think it’s that necessary, but we go out to the mountains a lot and I’d rather have piece of mind. Think I paid about $1100 ...
by pejp
Sat Jan 19, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Buy house without agent
Replies: 55
Views: 4962

Re: Buy house without agent

My wife was in real estate in NYC, and something similar happened to her. She worked extensively with someone who was looking for an investment property...multiple weekends all over the city etc...after a few months and an aborted bid due to a legal issue, the investor decided she didn’t want to buy...
by pejp
Fri Jan 18, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Any MD pursued a CFA? Thoughts?
Replies: 27
Views: 3013

Re: Any MD pursued a CFA? Thoughts?

I'm not an MD but am a CFA Charterholder and I would make sure you understand the time commitment required to see this through to the end. I also agree that the work requirement could be an issue given your field. I completed the program about a decade ago by taking Level I in December, Level II in...
by pejp
Thu Jan 17, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Any MD pursued a CFA? Thoughts?
Replies: 27
Views: 3013

Re: Any MD pursued a CFA? Thoughts?

I'm not an MD, but I'm in the midst of studying to level 2 of the CFA. To be honest, unless you have a use for it, I wouldn't bother. You cant become a charter holder without relevant work experience, so even if you pass all 3 exams, you won't be able to actually claim to be a CFA charter holder. It...
by pejp
Wed Jan 16, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 8881

Re: Gillette Mach 3 alternatives

mcraepat9 wrote:
Wed Jan 16, 2019 12:49 pm
Strange direction this thread has gone in.
I just realized, people are actually deciding to boycott Gillette because they released a commercial that offended them :P :P :P
by pejp
Thu Jan 10, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is buying a $700K first home crazy?
Replies: 70
Views: 8018

Re: Is buying a $700K first home crazy?

You don’t live in a. VHCOL area if you can buy a decent home for 700k. This would be a studio, one bedroom or decrepit house in a HCOL area. I don’t think you could buy anything in a VHCOL area. Lol, came in to say this. Where I lived in Brooklyn, $700k might get you a modern studio. An 800 sq ft 1...
by pejp
Thu Jan 10, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant hidden gems?
Replies: 25
Views: 2213

Re: NYC restaurant hidden gems?

You're severely limiting yourself with the 20mins walk restriction, although apologies if it's down to a mobility issue, but Manhattan (the areas you'd want to be in), really isn't that big. The West Village is literally 10-15mins in a cab from where you are. Midtown is probably the area where NY'er...
by pejp
Tue Jan 08, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Mystery supplements received from 301 W. Platt Street?
Replies: 10
Views: 1473

Re: Mystery supplements received from 301 W. Platt Street?

check your debit/credit card immediately. Same thing happened to me last year, and they'd charged my card.
by pejp
Mon Jan 07, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 60
Views: 5841

Re: NYC restaurant suggestion

Thanks for the suggestions. We will be staying at 320 West 36th Street but am willing to travel of course! Yeah, NYC is a big city, but Manhattan is only part of it, and really isn't that difficult to get around. You're staying on 36th st, but you could get downtown in a cab in 10mins, or the subwa...
by pejp
Mon Jan 07, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 60
Views: 5841

Re: NYC restaurant suggestion

OP yet again? Heading back for a night in a few weeks...Any updates? Thanks BH! I lived in NY for 10 years, moved away 3 years ago, but am still back pretty frequently (most recently last month). In terms of just an old standby that I love, Freemans on the Lower East Side is fantastic. Never had a ...
by pejp
Thu Jan 03, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Uber/Lyft where do you sit?
Replies: 42
Views: 4334

Re: Uber/Lyft where do you sit?

Front. I feel weird in the back. Yes, they're driving, but it's the same instinct that makes me bristle when people call me 'Sir'. They're not my driver, they're just driving me somewhere, if that makes sense. I used to work for a large hedge fund, and a few of the Portfolio Managers had personal d...
by pejp
Thu Jan 03, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Leasing a car
Replies: 27
Views: 3328

Re: Leasing a car

We leased our car, and recently bought it. Wasn't the best financial decision, but it's only a Honda CR-V so we're not talking big money. One thing I wish is that I'd been more realistic about mileage. I got a 12k miles per year lease, therefore lower residual and a higher monthly payment. Ended up ...
by pejp
Thu Jan 03, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 136
Views: 8749

Re: Engagement Ring (Affordable)

I bought mine off a guy I know who owns a jewelry store. He said a good way to save a little money is to not buy integers. i.e. people want to be able to say they have a 1ct or 2ct, whereas a 0.9 or 1.85 is pretty much the same, but you won't pay a premium the whole numbers command. Also, I'm sure o...
by pejp
Thu Jan 03, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Adding spouse to deed
Replies: 15
Views: 892

Re: Adding spouse to deed

Hi, looking for some advice or potential things to look out for. I bought my condo in 2015 when my wife was still my girlfriend. We got married in 2016, but I never got around to adding her to the deed. Anyone done this before? The mortgage is in my name, will I need to change that? Is this the kin...
by pejp
Thu Jan 03, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Adding spouse to deed
Replies: 15
Views: 892

Adding spouse to deed

Hi, looking for some advice or potential things to look out for. I bought my condo in 2015 when my wife was still my girlfriend. We got married in 2016, but I never got around to adding her to the deed. Anyone done this before? The mortgage is in my name, will I need to change that? Is this the kind...
by pejp
Thu Jan 03, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Uber/Lyft where do you sit?
Replies: 42
Views: 4334

Re: Uber/Lyft where do you sit?

Front. I feel weird in the back. Yes, they're driving, but it's the same instinct that makes me bristle when people call me 'Sir'. They're not my driver, they're just driving me somewhere, if that makes sense. I used to work for a large hedge fund, and a few of the Portfolio Managers had personal dr...
by pejp
Thu Jan 03, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Nicer Denver Areas
Replies: 19
Views: 2470

Re: Nicer Denver Areas

I've lived in Denver for 3 years, but spent the last 3 weeks back in Brooklyn for the holidays, and I'm even noticing the effects of altitude being back here for a few days. As others have said, drink lots of water, and take it easy with alcohol! I'll never forget my first night here, having 4 pints...
by pejp
Thu Jan 03, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Corvette vs Cayman/Boxster......anyone owned both?
Replies: 57
Views: 5145

Re: Corvette vs Cayman/Boxster......anyone owned both?

Just anecdotal, but I was in the market for a Cayman recently (decided to hold off until next year) and many of the big enthusiasts websites were of the opinion that the later years of the 987.2 could potentially appreciate, and the 981 might have a little depreciation left in it but the curve could...
by pejp
Wed Jan 02, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Nicer Denver Areas
Replies: 19
Views: 2470

Re: Nicer Denver Areas

I live in Denver (Wash Park)...for such a short time, just stay downtown. The 16th St mall sucks, but the area around Union Station is nice. I wouldn't consider Denver particularly great for tourists, but you'll have enough to keep you busy. I had family come to visit last year with young kids, and ...
by pejp
Tue Dec 11, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Donate to homeless?
Replies: 81
Views: 4431

Re: Donate to homeless?

[OT comment removed by admin LadyGeek] I don’t give money to them under any circumstances. It really is better spent on services and organizations that cater to them. I don’t feel guilty about that at all, and generally believe it to be more helpful than just handing over cash.
by pejp
Tue Dec 11, 2018 1:27 am
Forum: Forum Issues and Administration
Topic: How do I delete my account?
Replies: 13
Views: 6512

How do I delete my account?

Been on here for a few months, it’s not for me. How do I delete my account?
by pejp
Tue Dec 11, 2018 1:18 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 8509

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

Are we nuts? To each their own, I suppose, but not going anywhere except to visit family sounds like a dull way to live. Forget the scenery. Have you ever experienced another culture? Found out how people in those countries actually live? What they eat? What kind of bed they sleep on? What they act...
by pejp
Mon Dec 10, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 8509

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

Are we nuts? To each their own, I suppose, but not going anywhere except to visit family sounds like a dull way to live. Forget the scenery. Have you ever experienced another culture? Found out how people in those countries actually live? What they eat? What kind of bed they sleep on? What they act...
by pejp
Mon Dec 10, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 95
Views: 9372

Re: Is this normal for an HOA?

I have no advice other than to say I’m adding his to my long list of reasons why I will NEVER live in a development with an HOA. And happy to live in New England where HOA communities are still in the minority. Do you have to present your “papers” at the guard house too ? :oops: I'm the HOA preside...
by pejp
Mon Dec 10, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 103
Views: 9589

Re: Nespresso?

I’ve had Nespresso for 6-7 years. Very happy with it. It replaced drip coffee apparatus and a dedicated espresso machine. Coffee is almost as good as drip with expensive beans. Espresso is as good as my old machine and much more consistent. Highly recommend it. As for the comments about coffee geek...
by pejp
Mon Dec 10, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 8509

Re: To each his own ( I guess )

Is it that you've traveled and just don't enjoy it? Or that it just doesn't appeal to you? I've known people before who have had the latter attitude, gone to Europe, Asia, or Africa, and have come back with a completely changed perspective, because it was their first time seeing thousand year old bu...
by pejp
Fri Nov 30, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2916

Re: Guy's Western US Ski Trip - suggestions?

I'm planning a guy's ski trip out west for February where about 6 of us will be flying in from all over the US. If you are considering Breckenridge or the like, make your trip something like Wednesday-Wednesday; not weekend-weekend. The traffic on weekends is literally unimaginable during ski seaso...
by pejp
Thu Nov 29, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 8084

Re: Employeer taking vacation days on public holidays - is this legal or normal?

Dottie57 wrote:
Tue Nov 27, 2018 3:30 pm
I have to say the idea of “commission” for a Doctor is frightening as a consumer of healthcare.
Yeah, that's what stood out for me. This post really encapsulates two of the most backwards things about this country....the attitude towards PTO, and Healthcare.
by pejp
Thu Nov 29, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Guy's Western US Ski Trip - suggestions?
Replies: 44
Views: 2916

Re: Guy's Western US Ski Trip - suggestions?

I live in Denver, so I love Breck, but the nightlife is fairly laid back. If you're looking for more of a hard partying kind of place, it might not be quite enough for you.
by pejp
Wed Nov 28, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10811

Re: How did YOU choose your career?

Did some summer work with a company my Dad's friend worked for, and they asked me back to work for them during my 'gap year' between leaving school and starting university (gap years are common in the UK). My 'gap year' has lasted 18 years so far.
by pejp
Wed Nov 28, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 7347

Re: Restaurant Budget

My wife and I are DINK, with HHI around $330k in a fairly HCOL medium sized city. Food is by far our biggest expense. We grocery shop at whole foods, and spend about $1k a month at restaurants. We eat in throughout the week, and will usually splurge once or twice a month. I'd rather do that than mul...
by pejp
Tue Nov 27, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 70388

Re: Name something you had to have and now you regret purchasing it?

A pair of Saucony shoes that were on sale. I've never had a pair of shoes squeak as much as these do. I'm sticking to Nike from here out. I've had many pairs of Nike in the past and they never squeaked on me. Also, undershirts that don't have a bit of spandex in them to hold their shape. My current...
by pejp
Mon Nov 26, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 70388

Re: Name something you had to have and now you regret purchasing it?

Indoor bike trainer so I could 'ride' my road bike during the winter months. I absolutely had to have it, and ended up using it once in 6 months. Sold it for about 40% of what I paid for it. My Breville Juicer. I saw a documentary called 'fat, sick, and nearly dead', which was fantastic. I made vegg...
by pejp
Wed Nov 21, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: 1 Week vacation in February 2019, to get away from the Midwest Winter
Replies: 45
Views: 4308

Re: 1 Week vacation in February 2019, to get away from the Midwest Winter

Jamaica is fine if you want to stay in a resort the whole time, but personal safety issues are a very real problem there. We were in Ochos Rios for a wedding last year, and were basically told not to leave the resort, particularly at night. I'd say Barbados. It's absolutely beautiful, the people are...
by pejp
Fri Nov 16, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 14229

Re: Finances in NYC

My sister just moved closer to me (Utah) after spending the past decade in NYC. She was an archivist at NYU, making ~$50k/yr and (by her accounts) lived pretty well for a single woman (although she always had roommates). Yes, NYC is one of the more expensive places in the country to live, but a sin...
by pejp
Fri Nov 16, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 14229

Re: Finances in NYC

I wouldn't do it - you'll be living a very tough lifestyle. Everything is expensive, much more expensive than you think. Eating out/bars/groceries are going to seem stupidly expensive. We pay fresh graduates about $185k/year and they all share apartments due to the cost of living. That's ridiculous...
by pejp
Tue Nov 13, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 14229

Re: Finances in NYC

If you look at Bankrates cost of living calculator you see that $58k in Columbus is equivalent to $145k in Manhattan and $111k in Brooklyn, with the difference being rent/mortgage. From a financial perspective the new wage is comprobale to your current wage adjusted for COL in NYC. OP, I would enco...
by pejp
Tue Nov 13, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 14229

Re: Finances in NYC

I wouldn't do it - you'll be living a very tough lifestyle. Everything is expensive, much more expensive than you think. Eating out/bars/groceries are going to seem stupidly expensive. We pay fresh graduates about $185k/year and they all share apartments due to the cost of living. That's ridiculous...
by pejp
Tue Nov 13, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 3260

Re: How long have you had, or did you have, your HP-12C calculator?

I've only had mine a couple of years. I got it when I started on my CFA journey (studying for Level 2 right now). I don't know how true this is, but I read that apparently when you do any kind of complex calculation, the flashing 'RUNNING' used to be because the calculator genuinely needed time to p...
by pejp
Fri Nov 09, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Moving to NYC without a job
Replies: 33
Views: 5336

Re: Moving to NYC without a job

LadyGeek wrote:
Fri Nov 09, 2018 11:00 pm
I removed several off-topic posts regarding living conditions NYC. The discussion is getting derailed.

Please stay focused on helping the OP decide (or not) to move to NYC.

Got it, no more challenging of very obviously racially charged comments.
by pejp
Wed Nov 07, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 74
Views: 5020

Re: Planning first international trip - London/Paris

Mainly we tried to walk (I say tried because my mom has very bad arthritis and we just ended up taking a cab a lot). The cab rides were nice though and I enjoyed talking to the cabbies. Not to hijack the thread, but this brings up a point I’ve been wondering about. My wife and I will be in London f...
by pejp
Wed Nov 07, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 148339

Re: High Earners - What's Your Profession?

Director, Front Office Technlogy - Investment Management. I’m 36. $220k base + roughly 25% cash bonus + around 20% in restricted stock, so about $300k all in. I didn’t go to college. Started fairly low level when I was 18 at a company that outsourced tech staff for financial institutions....started...
by pejp
Wed Nov 07, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 74
Views: 5020

Re: Planning first international trip - London/Paris

Mainly we tried to walk (I say tried because my mom has very bad arthritis and we just ended up taking a cab a lot). The cab rides were nice though and I enjoyed talking to the cabbies. Not to hijack the thread, but this brings up a point I’ve been wondering about. My wife and I will be in London f...
by pejp
Wed Nov 07, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 148339

Re: High Earners - What's Your Profession?

Director, Front Office Technlogy - Investment Management. I’m 36. $220k base + roughly 25% cash bonus + around 20% in restricted stock, so about $300k all in. I didn’t go to college. Started fairly low level when I was 18 at a company that outsourced tech staff for financial institutions....started ...
by pejp
Wed Nov 07, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 15276

Re: How much money did you receive from family? (Gifts/inheritance)

Both my parents are only 63 and in good health, so hopefully it's not something I'll have to think of for a while. However, I thought this was apt.......I collect watches and have done for a long time. I truly love them, and focus primarily on vintage watches, but my collection over the years has in...
by pejp
Wed Nov 07, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 74
Views: 5020

Re: Planning first international trip - London/Paris

I was born and raised in London, and still go back pretty frequently. Others have said it, but with such limited time, just focus on quality time rather than trying to see everything. London is both physically and culturally vast (a lot of tourists hit the sights, wander around zone 1 for a few days...
by pejp
Thu Oct 11, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13177
Views: 2236125

Re: U.S. stocks in freefall

This place is obviously working on me. I'm 95% US Equities, 35 years old so I've got a fairly long time until retirement, so I'm actually enjoying this. I wouldn't have been saying that a few years ago :D
by pejp
Thu Oct 11, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 52022

Re: Lucrative careers?

People seem to be under the mistaken belief that you have to live in SF and work at FAANG to make $200k+ per year in tech, and that's not even remotely the case. We're not talking about the 1% of software engineers or only the best of the best, here. We're talking about C students at state universi...
by pejp
Thu Oct 11, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 52022

Re: Lucrative careers?

I've worked in tech for 25 years. I suggest looking at the MEDIAN salaries for a particular job role. There is no doubt good paying jobs in tech, but you need to be realistic. I, too, have worked in tech for a long time. Two problems with that: 1.) The median never captures equity, which is a large...