Search found 295 matches

by BradJ
Sat Jun 08, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2417

Re: Job Options

How do I effectively communicate to my current company that I am leaving, even though I just accepted a job they offered? My main goal is to communicate it in a way that doesn’t “burn a bridge” and informs them that this was a unique timing situation not a scenario where I used their offer to get th...
by BradJ
Fri Jun 07, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2417

Re: Job Options

Absolutely not. You did not lie or mislead as the other opportunity has yet to materialize. I would have definitely pursued a strong enough raise with the original company to make it tough to leave though considering your position seems fairly in demand.... The internal job was offered as a lateral...
by BradJ
Thu Jun 06, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2417

Re: Job Options

The situation has changed, quite dramatically. The opportunity/option 2 did offer, but we were not able to agree on a salary (they offered much lower than expected). Since that time, I applied for a Supervisor position at another company, that is out of state but only a four hour drive from family. ...
by BradJ
Wed May 29, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4667

Re: Teaching jobs

OP, I work in an HR department for a school district. With Summer around the corner, the school districts in your area should be having Job Fairs regularly. She should start by checking if her university where she completed her MA is having one. If they don't, many states have a central website lis...
by BradJ
Wed May 29, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4667

Re: Teaching jobs

Thank you to all who have replied. She has applied for about four jobs, two of which were in a desirable school district. Sometimes you have to teach in an undesirable school district, to get your foot in the door so to speak. +1 Perhaps she is overestimating how valuable the masters degree is for ...
by BradJ
Wed May 29, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4667

Re: Teaching jobs

She has applied at any and all opportunities, both private and public. Thank you to all who have replied. She has applied for about four jobs, two of which were in a desirable school district. This doesn't make sense to me. Four applications is not nearly enough. How far of a commute is she willing...
by BradJ
Wed May 29, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4667

Re: Teaching jobs

She has applied at any and all opportunities, both private and public. Thank you to all who have replied. She has applied for about four jobs, two of which were in a desirable school district. This doesn't make sense to me. Four applications is not nearly enough. How far of a commute is she willing...
by BradJ
Wed May 29, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4667

Re: Teaching jobs

My wife just received her Masters degree in teaching, with a certification in both Math and Science. She has 10 years experience in running a small business, substituted at all the local schools and made a strong impression during her internship (not to mention graduated with a 4.0 while working fu...
by BradJ
Wed May 29, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4667

Re: Teaching jobs

I didn't see anything about where you live, what you (the spouse) do, or what you're willing to do for her to teach. I can say that my wife and I have both taught overseas for years and love it. Go where you're treated best. If your local city and state don't want you then move. Move to another cit...
by BradJ
Tue May 28, 2019 6:21 am
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4667

Re: Teaching jobs

I appreciate all the great advice and have communicated it to my wife. There were tons of questions asked, so I will do my best to answer: She is certified in middle school, no coaching experience, and had a great relationship with the teacher and district where she did her internship. My wife is no...
by BradJ
Mon May 27, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4667

Re: Teaching jobs

Thank you to all who have replied. She has applied for about four jobs, two of which were in a desirable school district.
by BradJ
Mon May 27, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4667

Re: Teaching jobs

She has applied at any and all opportunities, both private and public.
by BradJ
Mon May 27, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching jobs
Replies: 79
Views: 4667

Teaching jobs

My wife just received her Masters degree in teaching, with a certification in both Math and Science. She has 10 years experience in running a small business, substituted at all the local schools and made a strong impression during her internship (not to mention graduated with a 4.0 while working ful...
by BradJ
Mon May 20, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 204
Views: 11301

Re: Should I encourage my kids to work in high school/college?

texasdiver wrote:
Mon May 20, 2019 7:17 pm

(As an aside, the supermarket I worked at was a great source of girlfriends while I worked there, but I digress.)
Amen! My mom and dad told me the morning of my 16th birthday to go get a job. I loved every minute of it and had some great high school memories with my coworkers.
by BradJ
Wed May 15, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: How long will a shirt last?
Replies: 34
Views: 2585

Re: How long will a shirt last?

Cold wash and hang dry.....makes close last much, much longer.
by BradJ
Tue May 14, 2019 10:12 am
Forum: Personal Investments
Topic: refusing inheritance
Replies: 45
Views: 5024

Re: refusing inheritance

Why not take the money and put it in an account for the sibling's children college fund?
by BradJ
Sun May 12, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 60
Views: 9775

Re: Moving to The Woodlands,TX

Irony at its best, I am visiting the Woodlands as we speak, with an interview tomorrow. One thing that stands out is how the homes are right on top of each other, which is something I’m not used to.
by BradJ
Thu May 09, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: College/life prep for young kids
Replies: 79
Views: 6235

Re: College/life prep for young kids

One of the best things my parents did for me is to give me responsibility over a large amounts of chores. My parents also didn’t give me a curfew, but made a point to wake me up every weekend at 7:00 am. After one long day of chores, my dad took me to the store and told me to get any soda I wished (...
by BradJ
Wed May 08, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2417

Re: Job Options

I am looking for opinions on two job options I am currently mulling over: Option 1: Stay in current job/location : Pay $111,000 PROS: Company is great to their employees, safe, and great benefits (affordable medical, pension plus 4% match on 401k) Wife’s family lives in town Wife just received her ...
by BradJ
Sun May 05, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2417

Re: Job Options

Bumping this to the top to see if I can get any additional opinions.
by BradJ
Wed May 01, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone down-shifted in their career?
Replies: 59
Views: 6829

Re: Has anyone down-shifted in their career?

About half way through my career, I worked for a larger company. I was held in high regard, but it seemed that the more I did, the more they wanted. I was putting in a lot of extra hours. A friend of mine described the situation as "they whip the horse that runs." I was just on edge all the time an...
by BradJ
Wed May 01, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2417

Re: Job Options

Yet another thread where we have to say "everyone is different". Every choice in life comes with trade-offs. Choosing to optimize one variable will likely suboptimize another. Only you and your wife can decide the importance and priorities of the trade-offs. For example, I can lump the variables yo...
by BradJ
Wed May 01, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone down-shifted in their career?
Replies: 59
Views: 6829

Re: Has anyone down-shifted in their career?

Bogleheads, I'm considering down-shifting in my career, seeking a slightly lower position on the corporate ladder in exchange for lower stress, better health, and more energy for other things (family, community, learning, etc.). If others on the forum have done the same, I'm really interested to he...
by BradJ
Wed May 01, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2417

Re: Job Options

I am looking for opinions on two job options I am currently mulling over: Option 1: Stay in current job/location : Pay $111,000 PROS: Company is great to their employees, safe, and great benefits (affordable medical, pension plus 4% match on 401k) Wife’s family lives in town Wife just received her ...
by BradJ
Wed May 01, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2417

Re: Job Options

What is your age? How long have you been with current employer? Are you vested in their pension plan? Do you presently own/mortgage or rent your home? Age: 35 Years with company: 2 1/2 Vested: No, but I was with previous employer for 10 years and I am vested with them Mortgage, which is currently l...
by BradJ
Wed May 01, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2417

Re: Job Options

Option 2 is financially better, no question about it other than size of pension. Balance state tax on increased property taxes, however. That is but half the question. Moving away from family has pluses and minuses. Only you can answer the quality of life (including commute!) effect. Having a frida...
by BradJ
Wed May 01, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2417

Re: Job Options

I currently have two kids under the age of 5. We currently live in a bedroom community outside of a small city. The new job would be located in The Woodlands,TX, which would be more expensive but an area that provides more activities for my kids.
by BradJ
Wed May 01, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2417

Job Options

I am looking for opinions on two job options I am currently mulling over: Option 1: Stay in current job/location : Pay $111,000 PROS: Company is great to their employees, safe, and great benefits (affordable medical, pension plus 4% match on 401k) Wife’s family lives in town Wife just received her M...
by BradJ
Tue Apr 30, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8390

Re: What are the cons of always being a one parent working household?

Just a note on societal pressures: My wife and I live in the deep south in a bedroom community outside a large community, and are heavily involved in our local church.....and we can honestly say we have never felt any pressure to do something that wasn't good for our family. I think people put the p...
by BradJ
Mon Apr 29, 2019 6:25 am
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9464

Re: EXTREMELY frugal things from our parents and grandparents

Where we live, your sewer rate is based on your usage during the fall months. I have heard of people not flushing at the desired rate during that time for a cheaper rate.
by BradJ
Sun Apr 28, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 4970

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

Managing your finances takes focus and discipline. People have other things they would prefer to focus on, and lack discipline. Books won't fix that. Information is available for people who want to learn. Bingo. Like most good things, the fundamentals are easy but actually doing it is hard. People ...
by BradJ
Sun Apr 28, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 4970

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

Knowledge is not power, knowledge is responsibility. If a person goes out of their way to learn about money, that means they have the responsibility of proactively applying that knowledge. Let’s be real, most people hate responsibility and the thought of their actions having true consequences.
by BradJ
Sun Apr 28, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5208

Re: Texas property tax protest

As someone who just applied for a job in TX, I have to ask about these outrageous property taxes. Do they go up every year? Is personal property taxes in Texas high as well? I live in Arkansas, where they tax you on everything, including income. It seems AR is death by a thousand cuts and TX is jus...
by BradJ
Sun Apr 28, 2019 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5208

Re: Texas property tax protest

As someone who just applied for a job in TX, I have to ask about these outrageous property taxes. Do they go up every year? Is personal property taxes in Texas high as well? I live in Arkansas, where they tax you on everything, including income. It seems AR is death by a thousand cuts and TX is just...
by BradJ
Sun Apr 28, 2019 5:57 am
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8390

Re: What are the cons of always being a one parent working household?

always best for a parent to raise their kids I personally don't understand the mentality of staying at home parents. It might be my upbringing. Growing up I have almost never seen such thing, actually there was a neighbor with a SAHM and my mother told be explicitly not to play with him because wha...
by BradJ
Sat Apr 27, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8390

Re: What are the cons of always being a one parent working household?

I have found that many people chase money. In our household, we chase time. I love that. One thing we figured out when my wife stayed home- there is no down time, always something to be done. I used to wonder why some people didn’t go back to work when kids went to school, but we figured out quickl...
by BradJ
Sat Apr 27, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Pre-Fab homes
Replies: 20
Views: 2495

Pre-Fab homes

Why aren’t pre-fab homes more popular? Does anyone have experience with them?
I’m not talking mobile, but rather modular.
by BradJ
Sat Apr 27, 2019 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8390

Re: What are the cons of always being a one parent working household?

We have done both, and each has their pros and cons. The social aspect was tough, there’s just not a big community of stay at home parents (church seems to be a hub). Here is one thing we found out: you don’t save as much money as you think. My wife got cabin fever easy, so lunch and shopping went f...
by BradJ
Sat Apr 27, 2019 8:00 pm
Forum: Investing - Theory, News & General
Topic: Housing market bubble
Replies: 27
Views: 6066

Re: Housing market bubble

Creepy whisper: If they want homes, a builder will come. Over a long enough time yes supply will match demand for builders. However, my (albeit limited) observation is that much of the workforce in the trades were immigrants especially Hispanic (at least where I live). After the slowdown in 2008/20...
by BradJ
Thu Apr 25, 2019 10:59 am
Forum: Investing - Theory, News & General
Topic: Housing market bubble
Replies: 27
Views: 6066

Re: Housing market bubble

Creepy whisper: If they want homes, a builder will come.
by BradJ
Wed Apr 24, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Family Trust
Replies: 25
Views: 3254

Re: Family Trust

Since I am extremely cheap and frugal, I decided to go to the local library and read all I could on estate planning. A week into my research, it came pretty clear that a lawyer was needed. I know it stinks writing that check ($1500 for us), but the overall peace of mind and the security it provided ...
by BradJ
Tue Apr 23, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Getting Spouse On Board With Saving
Replies: 41
Views: 3983

Re: Getting Spouse On Board With Saving

I think you want to 'sell' a vision to your spouse. Because if you two are pulling in opposite directions it's never going to work. He/she will always view you as the one trying to prevent them from enjoying the things they want to enjoy. Try instead looking to the future where you've paid off stud...
by BradJ
Tue Apr 23, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Taking the new job or not?
Replies: 24
Views: 1103

Re: Taking the new job or not?

Dave Ramsey has a great method of flipping financial questions around that has always helped me. The biggest con here is the traffic situation, so flip it around and ask yourself this: For an extra $1000 (estimated after taxes and gas/car maintenance), would you spend two hours in traffic? Sit in th...
by BradJ
Sun Apr 21, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Tips
Replies: 32
Views: 2057

Re: First Time Home Buyer Tips

Home inspection including sewer cam. Condition of siding, windows, HVAC, insulation, roofing, foundation, ETC. Other general deal breakers: 20% Down min 15 Year Fixed Max term Don’t buy with partner unless married. Been there, got the T Shirt. Major disaster. Can we scream the “not until married” a...
by BradJ
Sun Apr 21, 2019 8:00 am
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Tips
Replies: 32
Views: 2057

Re: First Time Home Buyer Tips

Home inspection including sewer cam. Condition of siding, windows, HVAC, insulation, roofing, foundation, ETC. Other general deal breakers: 20% Down min 15 Year Fixed Max term Don’t buy with partner unless married. Been there, got the T Shirt. Major disaster. Can we scream the “not until married” a...
by BradJ
Sun Apr 21, 2019 6:55 am
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Tips
Replies: 32
Views: 2057

Re: First Time Home Buyer Tips

Always factor in commute. Are there a lot of cars parked on the street? Bad sign if there is. If possible, look at the property after a big rain. Look at the ceilings when viewing, lines and stains are signs often overlooked. Know thyself and the stage of life you are in AND going into. Don’t let HG...
by BradJ
Sat Apr 20, 2019 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 3511

Re: leaving state job / pension. ..... bad idea?

Allow me to piggy-back off this individuals question. What if he was 35 and debt free?
by BradJ
Thu Apr 18, 2019 8:42 am
Forum: Personal Investments
Topic: Leave a job with a pension?
Replies: 39
Views: 4363

Re: Leave a job with a pension?

Thank you all for your responses. I wanted to add that an added bonus to taking the job offer is that it is in a state with no state tax, which saves me 6% (my current state tax rate). No doubt property tax will eat away at that, but it is still a plus!
by BradJ
Wed Apr 17, 2019 4:18 pm
Forum: Personal Investments
Topic: Leave a job with a pension?
Replies: 39
Views: 4363

Re: Leave a job with a pension?

Will your current employer return your pension contributions or are they gone into a black box forever? Will you be collecting SS at retirement? I think if you have an existing pension + SS + well funded 401k type accounts, you’ll have a great mix of income in retirement. A 20% raise is great and g...