Search found 1698 matches

by blevine
Sat Dec 16, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Is a Year on the JOb too Soon to Ask For a Promotion?
Replies: 18
Views: 1182

Re: Is a Year on the JOb too Soon to Ask For a Promotion?

Did you have a year end review ? If not, wait to see what your supervisor says about your performance, maybe they would bring this up ? Good strategy is to let them lead and then fill in the holes in the discussion. If they don't thank you for doing 2 jobs...point that out. If they mention the 2 job...
by blevine
Sat Dec 16, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: What 529 plan are you using?
Replies: 9
Views: 410

Re: What 529 plan are you using?

I live in NY and have indeed invested more than the state deductible amount. And I have just now gone though the lifecycle, from investing, to spending down and closing account during college when funds were exhausted. Very good plan that uses vanguard as the investment advisor. Good online customer...
by blevine
Thu Dec 14, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 50X annual spending. Now what?
Replies: 56
Views: 5761

Re: Reached 50X annual spending. Now what?

X should include good medical insurance.
Now are you 50x ?
by blevine
Wed Dec 13, 2017 12:27 am
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 38
Views: 2017

Re: NYC restaurant suggestion

If you want a small personal and quirky Italian place, PizzArte in the 50s off 6th Ave. Good food, service and art (for sale).
by blevine
Thu Nov 30, 2017 12:01 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5245

Re: Edward Jones trap

Sounds like you need a deprogrammer to get them out of a cult.
by blevine
Wed Nov 29, 2017 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 9376

Re: Why should I donate to my alma mater?

Regarding Asian donations...
https://en.m.wikipedia.org/wiki/Rajen_A._Kilachand

Largest donation in history of Boston Univ from an Indian businessman.

Personally I got absolutely no finaid from my college, paid loans for years, and feel no obligation towards them.
by blevine
Tue Nov 28, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11173

Re: After financial independence, do you lose motivation for work?

FI is in your mind. The richest did not get that way thinking "they have enough".
by blevine
Tue Nov 28, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Are there any unspoken rules to "keep in touch" with previous boss?
Replies: 21
Views: 2540

Re: Are there any unspoken rules to "keep in touch" with previous boss?

Do not agree. Linked in helps to stay more current than would nornally be feasible. Especially in this case. If I suddenly had a very long commute, I would not have time forface to face lunches very often. A phone call is a good substitute, but info on linkedin may give you the prompt and a topic to...
by blevine
Mon Nov 27, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 175
Views: 18389

Re: Does anyone here with net worths north of $1 mil use financial advisors?

Do not use an FA, never have.

A very bright friend with a large portfolio does use an FA for part of his portfolio, indicating that he does not trust himself enough to do the right
thing. Can't stomach buying in a down market to re-balance. To each his own.
by blevine
Mon Nov 27, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3216

Re: The annoying insistence on frivolous credit checks/pulls

Entered online form to get a new CC from Citibank. They send a letter indicating that I need to unfreeze my credit and let me know exactly which one to unfreeze. Did the unfreeze, called Citibank, and while on the phone they approved the application. Not sure why other banks and vendors can't make i...
by blevine
Wed Nov 22, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Job interviewing - "do you have any other interviews or leads?"
Replies: 35
Views: 4187

Re: Job interviewing - "do you have any other interviews or leads?"

What they are getting at here, basically is "we really like you and think we are going to make you an offer but need to work through our formal process first -- but don't take another job without talking to us, because if you have an exploding offer we could move things around and get this on the d...
by blevine
Sun Nov 19, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401K fund choices, please
Replies: 12
Views: 733

Re: Help with 401K fund choices, please

What is the index used by the Russell Large Cap Index Fund? Russell is a major index publisher, this is fine to use. You did have a decent portfolio and others have given you good advice. Simplify a bit by removing that one fund TRP Growth eq index and moving it to your bond index, all or in part (...
by blevine
Sun Nov 19, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Why I am not happy even with OK Net Asset
Replies: 38
Views: 3762

Re: Why I am not happy even with OK Net Asset

Remember the power of compounding. A good NW in your 30s can lead to a great NW in your 50s. Save and invest for the next 20 years and you will be fine. As long as you earn enough to pay your current bills and can save for the future, the NW will grow and allow you to retire. If you have reasons oth...
by blevine
Sun Nov 19, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 12976

Re: The valet smashed my Tesla into a brick wall!

Archimedes, I don’t have any information for you, but boatloads of sympathy. That sucks so much! Get your insurance company involved. At one of our restaurants that we go to often, I drop the family off, skip the “free” valet parking, and drive a half block or so to park myself. I have sometimes fe...
by blevine
Sun Nov 19, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Collection agency calls intended for another person:
Replies: 36
Views: 2911

Re: Collection agency calls intended for another person:

I suggest you change your phone number and forget this.
by blevine
Sat Nov 11, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 2551

Re: PayPal alternative?

I default my payments to use my cc, so if there is a dispute, I always have the cc to stand in the middle. I do have my bank linked but do not use it other than to receive payments for the rare (these days) times when I sell on Ebay (and Amazon). I suppose Amazon could cause issues with your bank ac...
by blevine
Sat Nov 11, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Liability insurance for college students in dorms ?
Replies: 13
Views: 1085

Re: Liability insurance for college students in dorms ?

The saying goes you can’t draw blood from a stone. I would make sure all of my child’s policies and vehicles were separate from mine. To me that’s the most important I did get a car registered in his name for that reason, but the auto ins broker told me that the cost for a standalone policy for som...
by blevine
Sat Nov 11, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Liability insurance for college students in dorms ?
Replies: 13
Views: 1085

Re: Liability insurance for college students in dorms ?

We had family Prepaid Legal (now Legal Shield). A individual bank account and credit cards under a custodial relationship (under age 18) . Freshman's Tuition Insurance. Gave him a copy of The Rules , some condoms, Son had term life insurance at age 17.5, just as he went off to college (TT engineeri...
by blevine
Fri Nov 10, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 2551

Re: PayPal alternative?

There is no Paypal fee if you are sending money to a friend, even with a credit card. That is simply NOT true from my experience. I have done dozens of transactions this year. After a brutal experience with Paypal and a linked bank account, I absolutely refuse to link any bank account to my Paypal ...
by blevine
Thu Nov 09, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Liability insurance for college students in dorms ?
Replies: 13
Views: 1085

Re: Liability insurance for college students in dorms ?

There are two separate issues, my own liability and that of the adult child. As to my own, I am not worried about that, I have sufficient liability insurance to protect myself, and assume that the actions of a young adult acting outside my supervision do not impact me other than having to defend a p...
by blevine
Thu Nov 09, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Liability insurance for college students in dorms ?
Replies: 13
Views: 1085

Liability insurance for college students in dorms ?

I did buy small low deductible property insurance for my kids living in college dorms. What about liability insurance ? I am told by my broker that my home and umbrella policies do not cover them in the dorms, despite fact that online research indicated that this is usually included. One kid moving ...
by blevine
Tue Nov 07, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23599

Re: To take or not to take delivery of Tesla 3

The model/features that would be comparable to my current ride (Model X) is $100k I care about the environment, but I am not a Hollywood celebrity. I have an ICE SUV with comparable options for which I paid $30k. $70k pays for a about 650k miles worth of fuel at today's prices. I don't see any car l...
by blevine
Tue Nov 07, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: The power of cancellation
Replies: 15
Views: 2655

Re: The power of cancellation

For last 2 years, did not have to threaten to cancel cable. They just gave me a higher speed internet for same price I paid last year, with no arguments, no threats to cancel. Pleasant convo and relatively quick. Going to try same with Sirius XM when my current prepaid period is up. I like it but as...
by blevine
Tue Nov 07, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23599

Re: To take or not to take delivery of Tesla 3

I live in the Northeast. Have seen exactly one Tesla charging station in my auto travels. Just bought a car, didn't even consider EV yet. Like the look and idea of Tesla, not the price nor lack of convenience. And as far as the ICE parking in the EV charging spots...same people who smoke right outsi...
by blevine
Tue Nov 07, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 13242

Re: Why make more money?

My kids.... I want them to have every opportunity to succeed in life. My wife... I don't want cost to stand between her and good medical care as she ages. Money helps you get these things. That said, if the pursuit takes me away from spending an acceptable amount of time with them, one has to consid...
by blevine
Sun Nov 05, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 5854

Re: College student... Financial mess... Need advice...

Let the landlord evict her after non payment.
Then you can negotiate the damages to settle.
by blevine
Sun Nov 05, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 5395

Re: Outback Vs Forester Vs CR-V ??

I had one very minor problem that Subaru could not easily reproduce therefore not fix, but after reporting it a few times, SOA sent me coupons and a gift that would be more valuable than the non functioning option that I did not need to start with. So far a perfect 2015 Outback, almost perfect 2014 ...
by blevine
Sat Nov 04, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15457

Re: What was the main reason you retired?

Not retired yet...but thinking about when and under what circumstances I'll do it. Relocation or layoff Still paying college tuition now. Would probably look for work if above occurs, but once kids are working and gainfully employed with their own medical benefits, the motivation to work for the mon...
by blevine
Tue Oct 31, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Sagestream freeze
Replies: 9
Views: 1252

Re: Sagestream freeze

Don't know if you must but I did it and it was mostly painless (paper based but it was done).
I don't want any of these firms making money selling my data without my consent.
by blevine
Tue Oct 31, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Paying for babie's future college
Replies: 23
Views: 2037

Re: Paying for babie's future college

This is not an "all or nothing" decision. At least put $2500/year/kid into the MD 529 so you get the state and federal tax benefits. If you have maxed out 401k, maybe consider more than the $2500/year, maybe taxable instead. Depends on your views on college. For me there was no question my kids were...
by blevine
Tue Oct 31, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Want to move kids' iPhones to a cell carrier without data overages
Replies: 18
Views: 1469

Re: Want to move kids' iPhones to a cell carrier without data overages

The Verizon safety mode is relatively new and not on by default for long time customers.
I had to turn it on, which was easily done on the website.
by blevine
Tue Oct 17, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Think I froze credit... any reason not to apply for credit to test?
Replies: 12
Views: 1444

Re: Think I froze credit... any reason not to apply for credit to test?

You should gey a pin to unfreeze. Due to volume of recent requests seems to be taking longer. Also a single test tells you little. Any particular application may not result in pulling from all the agencies. So you would be testing one or a subset. The bank would likely tell you which one is to be (o...
by blevine
Mon Oct 16, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 5623

Re: Which Streaming Service/Live TV?

Not sure what you mean.
Netflix allows you to buy a 1, 2 or 4 screen subscription.
Are you saying you must personally watch on 4 screens at once, nobody else can view one of the 4 screens ?
Seems unlikely that was the intent.
by blevine
Sun Oct 15, 2017 6:41 am
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 5623

Re: Which Streaming Service/Live TV?

Found one annoyance, that impacts most/all of these services. While we get local broadcast channels, channels I can most get easily by antenna (Fox, NBC easily), when traveling and using iphone or laptop, these channels sometimes vanish completely. They only are shown in your home area, however they...
by blevine
Fri Oct 13, 2017 11:26 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 5395

Re: Outback Vs Forester Vs CR-V ??

Why choose ? I bought an Outback AND a Forester !

My teen loved driving th Forester, he got one later when he was ready for a car. Wife prefers the Outback. I like both.
by blevine
Thu Oct 12, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 5623

Re: Which Streaming Service/Live TV?

If you have AT&T unlimited data cell phones, you can get their Directv NOW service cheap. I did a week trial and it worked well, though since I don't use AT&T cell service, too expensive. I used sling, which is good for the price but picture quality is mediocre. Tried hulu live, liked that best, but...
by blevine
Wed Sep 27, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 7579

Re: VG using outsourcing to call me & I'm not happy

They make it easy enough to vote online, except for the part about explaining enough info to know who/what to vote for. Don't know the people involved. The issues listed to change business practice are not clearly explained. They just want a bunch of YES men to vote their way without understanding. ...
by blevine
Sat Sep 16, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 183
Views: 20315

Re: Let's talk about your FI # and family income

Oh, I dunno about assuming too much. Once you have everything, you don't have to spend that much. "HAVE TO" being the important part. There isn't much you HAVE TO spend. Heat in winter - move to warm climate AC in summer - move to cold climate Food - get food stamps, eat Ramen noodles clothing - wh...
by blevine
Fri Sep 15, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Let's talk about your FI # and family income [Financial Independence]
Replies: 183
Views: 20315

Re: Let's talk about your FI # and family income

Never understand why people even look at household income. If I am unemployed and win the lottery, I think it does matter whether my lottery winnings are $1,000 or $10,000,000 But either way, I have won an infinite multiple of my income. I see expenses can be correlated with income, but for those of...
by blevine
Fri Sep 15, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Verify credit freeze is active?
Replies: 18
Views: 1936

Re: Verify credit freeze is active?

The info has been on the free credit reports for many years now. Which are "temporarily unavailable." Also, of course, if you got a free credit report recently, before you froze your credit, you can't get another one right now just to verify that the freeze took. All the credit agencies' websites h...
by blevine
Fri Sep 15, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Verify credit freeze is active?
Replies: 18
Views: 1936

Re: Verify credit freeze is active?

The info has been on the free credit reports for many years now.
by blevine
Fri Sep 15, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 19773

Re: Is it really Worth it to brown bag your lunch at work?

My company went out of their way to build a very high end gourmet cafeteria with nice seating and a large variety of food. They wanted it nice enough so that people could both network with coworkers in a common area. I do spend more $ there than if I brought food, but I have a very long commute whic...
by blevine
Tue Sep 12, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 175
Views: 16572

Re: Microsoft, I want my computer back!

Agree with above...Windows go away please. At work, desktop must be windows, but still on W7. At least they decided for mobile to support ios, not Windows. Company supports iphone/ipads for mobile work. At home, slowly moving to Mac as older computers die. Only Microsoft 10 I have purchased, when ki...
by blevine
Tue Sep 12, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Report - Effect on Auto Insurance
Replies: 11
Views: 3433

Re: Freezing Credit Report - Effect on Auto Insurance

Your existing creditors can continue to access your credit reports. Not sure if that would count auto/home owners insurance, I assumed anyone who had access in the past continues to have access, but that may not be true in all cases. I use Allstate, they certainly never asked me about getting access...
by blevine
Sun Sep 10, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 30529

Re: Is a security freeze at Innovis really needed?

What about the two mentioned here : https://www.doctorofcredit.com/two-credit-bureaus-you-should-freeze-before-you-apply-for-a-u-s-bank-credit-card/ This article is from 2015, but SageStream at least has a website that tells you how to freeze, but it must be by fax/snailmail/phone, not web. ARS seem...
by blevine
Sun Sep 10, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 36819

Re: Can't freeze credit at Experian?

These firms are going out of their way to make the process difficult. For instance, when you get the questions to verify your identity, I was asked if I had a credit card from which of these firms : Citi Chase Citi card etc So if I have citi, which do I pick ? And if I pick the "wrong one" then I ha...
by blevine
Sun Sep 10, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 30529

Re: Is a security freeze at Innovis really needed?

One of the links provided had something that led me to believe maybe Innovis freeze is not so critical. http://www.creditinfocenter.com/wordpress/2017/05/16/innovis-vs-cbcinnovis-need-know-fourth-credit-bureau/ "This is the area in which Innovis differs most from the other three national credit bure...
by blevine
Sun Sep 10, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about accepting new job that pays a bit less
Replies: 27
Views: 2440

Re: Thinking about accepting new job that pays a bit less

I would also consider prospects for each job down the line. There is nothing wrong with a small step back for 2+ steps forward in a year or two, but if a permanent step backwards I would be cautious about doing this. While you are doing well, not well enough to forgo saving more for the future. If y...
by blevine
Sun Sep 10, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 57
Views: 8250

Re: Buy iPhone 7 or Wait for iPhone 8

Heard same about ip8, will be very expensive.
Just upgraded a failing 6 to 7 despite the family member wanting to wait for 8.
Told them 1) you need something that works NOW and 2) you may end up with a 7 anyway,
if the 8 is as expensive as rumored. They are happy with the 7.
by blevine
Sun Sep 10, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Should I do 20 or 25 Year Term Life Insurance?
Replies: 49
Views: 3940

Re: Should I do 20 or 25 Year Term Life Insurance?

I don't agree with the assertion that your need declines, there is inflation. Kids in college now, and my house is worth twice what it cost when my kids were born, a car cost at least twice what I paid back then. Just getting a large policy with a fixed amount is already allowing your coverage to de...