Search found 79 matches

by Supurdueper
Sat Oct 17, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: iPhone SE 2020 or iPhone 12 Mini?
Replies: 126
Views: 8911

Re: iPhone SE 2020 or iPhone 12 Mini?

I have the iPhone 6s as well, and I just got an offer from AT&T to trade in for a $350 credit, so the price of a new 12 124gb is $500. Im definitely considering.
by Supurdueper
Sat Aug 15, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

Thanks all. I’m taking a few days to get my mind right. When it’s a character assassination it’s tough, i know the person i am and have always been and it’s not what got painted. Sometimes people clash for whatever reason, when one ignores a hello in the hall and when one never even attempts to unde...
by Supurdueper
Fri Aug 14, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

And FYI. I can’t get the image that she wore the red jacket to the meeting for the power play and was forcibly pointing hitting the pen on the table or fingertips to make her point.

I felt like a child getting scolded.
by Supurdueper
Fri Aug 14, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

I’m still weighing my approach. I had to call out the last 3 days. Couldn’t get sleep and have very high anxiety, had a Dr appt and now getting meds. I can’t focus either. It’s tough, I’m talking to an attorney before I do anything on a course of action. I’m going to gather as much information as po...
by Supurdueper
Wed Aug 12, 2020 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

Sorry for the unpleasant meeting. Kind of thought it might be something like this. Did they provided you some documentation of the complaints against you? Are you able to respond in writing to put in your HR file? If so, I would do that. But before I did so, I’d ask your old boss to read/critique i...
by Supurdueper
Tue Aug 11, 2020 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

The most frustrating thing is that all these accusations occurred during the time of previous management who approved of a majority and understood the situations. This person has been my manager for 6 weeks and has only met with me twice never setting clear expectations. I would not think hr or my c...
by Supurdueper
Tue Aug 11, 2020 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

I would recommend you think long and hard about the criticism about you. There is probably some truth to,it, and therefore an opportunity to learn more about yourself and improve for the future. I’m all for constructive feedback. However I reread the write and a lot is false assumptions and decisio...
by Supurdueper
Tue Aug 11, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

I’m not part of the Union. And I work in a right to work state. I can take criticism if it comes to a process I’ve done wrong or could have gone a different way. The steps I’ve done are setting up the department for future success, which if one doesn’t know the history can assume a different decisio...
by Supurdueper
Tue Aug 11, 2020 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

Well all. It was an ambush. I’m on a special review, still in shock. 3 petty employees think that I don’t listen to them and now I’ve created this hostile place where I use my seniority to dominate and I have anger issues. Whoa, I’m stunned. Oh and one of my employees was not feeling well this past ...
by Supurdueper
Sun Aug 09, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

Yes current economy is a concern. The wife and I were already going to relocate cities in about 5 years (can’t now due to family reasons) not getting the promotion derailed the career trajectory slightly for the move in 5 years. I know i can’t stay in the same position for my own sanity for the next...
by Supurdueper
Sun Aug 09, 2020 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

Will HR be attending the meeting? If they are in the room when you arrive, it’s probably not a good sign. Otherwise the presence of second level boss seems odd to me. (Maybe they’re just cc’d on the message for awareness but won’t actually attend?). Surely they would have enough confidence in the n...
by Supurdueper
Sat Aug 08, 2020 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

Thanks to all for all the posts. My plan is to go in and nod and be on board as I’ve even been from not getting the promotion (well aside from that first few days right after - you know how I learned I didn’t get it? The standard HR rejection email). I’ve been cordial to the new boss on many If not ...
by Supurdueper
Sat Aug 08, 2020 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

I’m already looking. I had a hunch this was going to go down when they put that person in the job, but you always hope it wouldn’t be the case. Bright side it’s making me look for my next move rather than sit and be stagnant.
by Supurdueper
Sat Aug 08, 2020 5:02 am
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

You said three of your direct reports are poisoning the well with your new boss. In my experience that's more than enough… How similar were you to your previous direct manager in terms of demographic affinity? The 10 direct reports that will advocate for you, how similar are they to you in terms of...
by Supurdueper
Sat Aug 08, 2020 4:49 am
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

First, this is a crummy way to treat people when things change. I have had to have meetings with folks about "concerns" but I don't pre-announce and let it fester over a weekend. Even if its a benign meeting, I try hard not to instill fear, uncertainty and doubt into my team. You should know this: ...
by Supurdueper
Fri Aug 07, 2020 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

Right. My plan is to sit and be quiet. I’d still question a pip plan when nothing before 6 weeks ago even alluded to it.

We will see what happens. I’m a nice guy and very flexible but sometimes that doesn’t even work. And a lot more details I can’t even get into on this without writing a novel.
by Supurdueper
Fri Aug 07, 2020 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

It is a government job. I wouldn’t bring in or request HR unless it goes to some accusations that aren’t true work process related. And I honestly doubt I will. Just trying to brainstorm. I’m most likely going to sit in there, smile beneath my mask and not in agreement and be all on the team. I’m ju...
by Supurdueper
Fri Aug 07, 2020 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

My new boss and I were peers. We were cordial and talked a few times. We did have 1 run in where I disagreed on how an item should be treated, and actually I think about it 2 other petty items that she ignored.
by Supurdueper
Fri Aug 07, 2020 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

Obviously I’m disappointed I didn’t get the promotion, but it’s not in my demeanor to stop working but to still do the best I can at a job. I thought I was being too sensitive but I’ve seen a few things recently which almost made me call a separate meeting but they beat me to it. I may be making it ...
by Supurdueper
Fri Aug 07, 2020 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Re: Career advice

I should clarify. Interviewed for the same role was runner up and didn’t get it. I think it’s more political or my peer trying to show her muscle. I have 13 employees report to me and going through my head 10 I know appreciate me, confirmed with a few. It’s a few of my directs that put something in ...
by Supurdueper
Fri Aug 07, 2020 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 88
Views: 8085

Career advice

Ok Bogleheads. Need a little advice. I’ve been in a job for 2.5 years, my former boss retired end of June. This Tuesday I have a meeting with my new boss and the next level boss about ‘concerns’ with me and my department after she met with my team individually on job duties. I feel like I’m about to...
by Supurdueper
Sat Jul 18, 2020 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Parents life insurance policy
Replies: 21
Views: 1092

Re: Parents life insurance policy

Thanks all. Yes I’ll get some illustrations to what it would take to extend by either paying more or dropping the value. I’ll try to keep you all posted.
by Supurdueper
Sat Jul 18, 2020 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Parents life insurance policy
Replies: 21
Views: 1092

Re: Parents life insurance policy

Thanks. To clarify. Today’s cash surrender is about $85. It’ll be exhausted to $0 by year 2034. If no more contributions it’ll last to year 2025. It’s at that point where the return is negative
by Supurdueper
Fri Jul 17, 2020 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Parents life insurance policy
Replies: 21
Views: 1092

Re: Parents life insurance policy

So the cash surrender value would be $0. It’s acting like a UL policy. I think the account value is 95k but a surrender charge of $10k if that helps.
by Supurdueper
Fri Jul 17, 2020 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Parents life insurance policy
Replies: 21
Views: 1092

Re: Parents life insurance policy

It doesn’t specifically state it’s a whole life but it seems set up that way. I had a whole life sold from them as well and cancelled it last year.
by Supurdueper
Fri Jul 17, 2020 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Parents life insurance policy
Replies: 21
Views: 1092

Re: Parents life insurance policy

Beneficiaries don’t need the money, and there would be no money in 2034. We will have to ask for illustrations, but the one I saw from a few years ago has the cash benefit decreasing $30k in year 2034. So it’ll be costly.
by Supurdueper
Fri Jul 17, 2020 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Parents life insurance policy
Replies: 21
Views: 1092

Parents life insurance policy

All I need some guidance. My parents have a second to die life insurance policy that my brother sold them 15 years ago. They pay annually $6k and have a guaranteed rate of maybe 4% but could be higher. The cash surrender may be $80k as of today. They are ages 74 and 72 and at current contribution th...
by Supurdueper
Mon Jul 06, 2020 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Will Canceling My BofA Checking End my 2.625% Rewards?
Replies: 14
Views: 843

Re: Will Canceling My BofA Checking End my 2.625% Rewards?

I have a boa checking. I keep the balance under $1k. Couldn’t you just do that?
by Supurdueper
Sun Apr 19, 2020 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC Intrest Deductability Invement Property
Replies: 8
Views: 390

Re: HELOC Intrest Deductability Invement Property

That was sort of my point. I’m in the same situation and I’m taking the chance of deducting. Why would one get the benefit of buying a new rental at an 80% ltv than one converting a house to a rental at 50% ltv?
by Supurdueper
Sun Apr 19, 2020 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC Intrest Deductability Invement Property
Replies: 8
Views: 390

Re: HELOC Intrest Deductability Invement Property

How’s it really different than if you refinanced you’re rental loan and took cash out?
by Supurdueper
Fri Jan 17, 2020 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Top 5 Accounting Program vs. Full Scholarship
Replies: 20
Views: 2164

Re: Top 5 Accounting Program vs. Full Scholarship

Fellow CPA here. I went to the in state accounting school, which was lower rated than the other in state accounting school and I had an offer and went to work for one of the big 5 at the time. As long as he puts in a few years at a public firm and gets his cpa not sure it matters. I worked for a for...
by Supurdueper
Mon Jan 13, 2020 8:55 pm
Forum: Personal Investments
Topic: Help with first 401K - traditional vs Roth at 22% bracket
Replies: 8
Views: 576

Re: Help with first 401K - traditional vs Roth at 22% bracket

Most will say traditional on here. However I’d go all ROTH. First job out of school your earnings will go up, plus tax rates are at historical lows. When the tax rates change at the end of 2025 I’d reevaluate
by Supurdueper
Thu Jan 09, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: Large Purchase on Credit Card
Replies: 38
Views: 3327

Re: Large Purchase on Credit Card

I purchased mine on blue Nile. The one drawback is getting the right size, mine was a tad too big and i had to send it back, so that cost extra. As a bonus, don’t forget to go through the airline shopping portals to get miles as well as your cc cash back. If you’re going to drop a few Gs you might a...
by Supurdueper
Wed Jan 08, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Moving Costs
Replies: 24
Views: 1147

Re: Moving Costs

That’s a huge house and it’ll be expensive, $30k might be a low estimate. I agree with others. I did a 100 mile move about 2 years ago with an 8 month pregnant wife. We hired hourly labor to load into the Uhaul, great money spent. I drove it myself and I dang near unloaded everything myself while th...
by Supurdueper
Wed Jan 08, 2020 12:45 pm
Forum: Personal Investments
Topic: contributed too much to Roth 401k in 2019
Replies: 15
Views: 1085

Re: contributed too much to Roth 401k in 2019

Overpayments can easily happen, sometimes limits aren’t set right, especially with a job change. Even working for the same company you may have changed roles in that company and work for a different company not under the same pay agent. Contact your plan administrator as soon as possible, like today...
by Supurdueper
Tue Jan 07, 2020 12:32 pm
Forum: Personal Consumer Issues
Topic: Housekeepers
Replies: 32
Views: 3218

Re: Housekeepers

I realize it’s a crap shoot on finding a good reliable person. Compared to how much cleaning I do now (none) it can’t be any worse, tic. I realize this might be an experiment with my wife, so one of us can say I told you so. Ha. She wants one, I tell her to find one and she never will, but she’ll ke...
by Supurdueper
Tue Jan 07, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: Housekeepers
Replies: 32
Views: 3218

Re: Housekeepers

Thanks for the replies. I was seeing between $10-25 per hour on the care.com but was a little skeptical of how the site is used. I’ll try the neighbors and see if they have a good one. I appreciate it.
by Supurdueper
Tue Jan 07, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: Housekeepers
Replies: 32
Views: 3218

Housekeepers

Hello, The wife has finally convinced me into potentially getting a housekeeper to help clean those bathrooms and kitchen. I’m looking for every other week for maybe 4 hours of work. I’m looking online and see that care.com has the ability to match you, the prices seem reasonable/cheaper than I expe...
by Supurdueper
Sat Nov 02, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Anyone here use a fee-only flat fee investment advisor?
Replies: 17
Views: 2253

Re: Anyone here use a fee-only flat fee investment advisor?

If I were looking, I'd check out Abound Wealth Management . The firm is run by the guys behind "The Money Guy" podcast and they appear to adhere to the Boglehead philosophy (LBYM, index investing, asset allocation, etc.). I regularly listen to the podcast and they make a quick mention of their fee-...
by Supurdueper
Tue Oct 29, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 15128

Re: Uber VISA rewards cut

It's a great card but there is a $2,500 quarterly spending cap for the Cash Rewards card it you want the 5.25% and 3.5% CB. Once you exceed $2,500 inside of three months, the rewards drop to 1%. And you don't get 2.625% on the cash rewards card on everything else. You need to use their Travel Rewar...
by Supurdueper
Tue Oct 29, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 15128

Re: Uber VISA rewards cut

Ah. Mine comes in as cash if you have a boa checking account. I believe to get premium reward you may need a boa account which you can do for $100
by Supurdueper
Tue Oct 29, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 15128

Re: Uber VISA rewards cut

I used to own the Uber card but then ditched it for Bank of America. Get a few BOA Cash rewards card and get to their platinum level by parking 100k in Merrill Edge (free transactions and all Vanguard ETFs available, I use it as a second brokerage for diversification). I currently enjoy, with four ...
by Supurdueper
Tue Oct 29, 2019 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 15128

Re: Uber VISA rewards cut

No. You just need the $100k in Merrill and all cards are eligible.
by Supurdueper
Mon Oct 28, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 15128

Re: Uber VISA rewards cut

Dean - how many cash back cards do you have? Is that 3 cash back with the travel. I’m all BOA as well, have Uber. It will be stopping that one. My challenge is to get the wife to understand when to use what. Ha.
by Supurdueper
Sat Oct 26, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP and HSA vs. PPO
Replies: 7
Views: 1104

Re: HDHP and HSA vs. PPO

$3 per month is typical. If I read correctly, for $215 in premium or an additional $500 OOP you are 100% covered for all medical? And it takes one MRI visit in a year to erase that savings. Seems like a no brainer to stay in PPO plan. The tax savings isn’t worth the reward, one ACL tear and you’re o...
by Supurdueper
Thu Oct 24, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Refinance worth it?
Replies: 11
Views: 749

Re: Refinance worth it?

Seems like a no brainer to refi. You’re dropping 1% on a $100k loan. That’s saving at least $1k a year in interest. Even with the fees it’s less than a 2 year pay off, and you’ll be there 18 years.
by Supurdueper
Mon Oct 07, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Finance or Accounting Degree?
Replies: 81
Views: 6650

Re: Finance or Accounting Degree?

Fellow CPA here. Accountants play with real numbers, finance plays with fake numbers. :D I’m biased and would say accounting, it’s easier to go into finance if one has a mid life crisis, more challenging the other way. Although to throw an alternative, the way the world is changing I’d highly recomm...
by Supurdueper
Sun Sep 22, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Cash Rewards Visa Signature as Alternative to Citi Double Cash Card?
Replies: 18
Views: 2282

Re: Bank of America Cash Rewards Visa Signature as Alternative to Citi Double Cash Card?

If you’re platinum I believe you can choose your category to get 5.25% cash back and online shopping is one of them. You could apply for other boa cards.
by Supurdueper
Thu Sep 19, 2019 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: 2 weeks notice or No Notice ? save 3.5K or Reputation ?
Replies: 135
Views: 11767

Re: 2 weeks notice or No Notice ? save 3.5K or Reputation ?

If you give two weeks notice and they let you go beforehand wouldn’t you be entitled to their severance package and/or unemployment? Check your company’s policy and state laws.
by Supurdueper
Wed Sep 18, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Facing very short gap without health insurance, options
Replies: 26
Views: 1448

Re: Facing very short gap without health insurance, options

Buy a tank, drive that across country, while living in a bubble for 5 days. This is a tough one. Get coverage though, better safe than sorry.