Search found 1242 matches

by campy2010
Mon Nov 13, 2023 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Who should carry benefits? Husband/wife at same employer—large income disparity.
Replies: 27
Views: 3395

Re: Who should carry benefits? Husband/wife at same employer—large income disparity.

Has anything changed with the way your employer prices benefits? If not, then I’m not sure why there would be a different decision today than there was a few years ago.
by campy2010
Sat Nov 11, 2023 3:24 pm
Forum: Personal Consumer Issues
Topic: Ihg hotel recommendation
Replies: 4
Views: 832

Re: Ihg hotel recommendation

Bar Harbor/Acadia, Maine
Lincoln, NH (white mountains)
Burlington VT
Lake Placid, NY
Portland, Maine
by campy2010
Tue Nov 07, 2023 7:04 pm
Forum: Personal Consumer Issues
Topic: Seattle area residents, how should I think about your housing market? [Potential move for job]
Replies: 81
Views: 8606

Re: Seattle area residents, how should I think about your housing market? [Potential move for job]

If a cross country move isn’t improving your financial situation then doing it doesn’t make much sense unless you’re itching to move for personal reasons. The Pacific Northwest is very different from the east coast so definitely be prepared for some acclimation.
by campy2010
Wed Nov 01, 2023 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Question for Married Bogleheads - % to allocate to joint accounts
Replies: 174
Views: 13256

Re: Question for Married Bogleheads - % to allocate to joint accounts

I don’t understand the mine, yours, ours approach in the absence of a prenup that states that’s what you take away in the case of divorce.
by campy2010
Fri Oct 27, 2023 12:44 pm
Forum: Personal Consumer Issues
Topic: House plan review
Replies: 66
Views: 6355

Re: House plan review

Subject: House plan review would most agree to just remove the smaller triangle peaks from the front and back of the house?..or maybe just the one on the front? Would that modestly reduce cost or be more substantial? I'm struggling with that builders can't price the house without a completed design, but we don't know how much house and complexity to tell the architect because we don't know the costs..lol Chicken and egg thing going on. Can I ask what architectural aesthetic you are aiming for? Country? Modern country? Craftsman? I'm not sure I can label it or even needs to be labeled. We just wanted a house with some angles, a little character. Maybe coastal, as in New England, not Florida. Coastal farmhouse maybe? Lots of open farmland ar...
by campy2010
Fri Oct 27, 2023 12:06 pm
Forum: Personal Consumer Issues
Topic: House plan review
Replies: 66
Views: 6355

Re: House plan review

would most agree to just remove the smaller triangle peaks from the front and back of the house?..or maybe just the one on the front? Would that modestly reduce cost or be more substantial? I'm struggling with that builders can't price the house without a completed design, but we don't know how much house and complexity to tell the architect because we don't know the costs..lol Chicken and egg thing going on. Can I ask what architectural aesthetic you are aiming for? Country? Modern country? Craftsman? Personally, I think you should decide on an aesthetic and tailor the features you choose to the aesthetic. You should be thinking/saying "I am trying to build a craftsman style house, how to we add this feature (like a second entry) in ...
by campy2010
Thu Oct 26, 2023 11:33 pm
Forum: Personal Consumer Issues
Topic: House plan review
Replies: 66
Views: 6355

Re: House plan review

1, You totally lost me at the kitchen at the front of the house next to the front door.
2. If you ultimately want to sell, 2 bedrooms upstairs is a very niche buyer
3. I am on team no cupola
4. I wonder about the scale of the little tiny window in the biggest triangle of your roof.
5. Your architectural aesthetic is all over the place. I think you’re going for a modern farmhouse vibe but it’s reading more farmhouse less modern. Maybe that’s the intent. The cupola reads different from the country-ish front doors and columns which remind me of a country market which is different than the roofline.
6. One wider front door as the focal point of the house should reveal a big wow of the view to the back once you step into the house.
by campy2010
Fri Sep 29, 2023 4:53 pm
Forum: Personal Consumer Issues
Topic: Active WFH wardrobe
Replies: 71
Views: 6950

Re: Active WFH wardrobe

boglefan86 wrote: Fri Sep 29, 2023 11:05 am Check out Kuhl - they do climbing and active wear. I have some pants for travel and certain styles are good enough to even go out in without it being noticeable.

Tracksmith is awesome, it's my go to WFH because it's so comfortable and great for running of course. Both are pricier, but I feel like the stuff will last practically forever.
This was going to be my suggestion. I would add Vuori. Essentially pants made of tech fabric that look like slacks not hiking pants. In other words, go to REI.
by campy2010
Wed Sep 13, 2023 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting with a Warm Hand
Replies: 44
Views: 6237

Re: Gifting with a Warm Hand

Be a good steward of your sister’s life savings and earnings, especially if she didn’t have an opportunity to do it herself. Causes, charities, a family reunion in her honor, a family vacation in her honor, scholarship fund, support a local political candidate she would believe in. This thread actually makes me rethink my own simple will.
by campy2010
Wed Sep 13, 2023 6:55 pm
Forum: Personal Investments
Topic: Is anyone buying 10-year treasuries now?
Replies: 10
Views: 2142

Re: Is anyone buying 10-year treasuries now?

Absolutely not. I was just listening to a podcast interview with Bill Gross on Bloomberg and he has no good argument when asked ‘why bonds’. He joked about how he was jealous of people in real estate and how they always manage to avoid taxes.
by campy2010
Tue Sep 12, 2023 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Does “decluttering” save money?
Replies: 90
Views: 12453

Re: Does “decluttering” save money?

Skip the Marie Kondo book and watch a few episodes of her series on Netflix. The people on the show have soooooo much stuff it makes you want to stop shopping completely. So much unnecessary consumerism and ultimately junk that ends up in landfills.
by campy2010
Mon Sep 11, 2023 7:46 pm
Forum: Personal Consumer Issues
Topic: Chair for teenager
Replies: 22
Views: 2284

Re: Chair for teenager

Counterintuitively, as an average height woman (5’3”)I have found that a low enough desk is just as important as a good chair. Most desks are made for average male height. Even with a footrest, a too tall desk is still uncomfortable and leads one to do things like sit cross legged or one leg across the other. Anyway, chairs to check out include Branch, Haworth, Steelcase Think and Amira.
by campy2010
Sun Sep 10, 2023 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Interview Follow up - Should I be proactive or wait?
Replies: 33
Views: 2479

Re: Interview Follow up - Should I be proactive or wait?

If you want to check in, check in with your contact whether it is the talent manager or the recruiter. In my experience, offers or at least follow up communication keeping you engaged on timeline/next steps come quickly and definitely within a week. It’s a competitive job market out there right now.
by campy2010
Fri Sep 08, 2023 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Engagmenet in 5 months - prenup questions for newbie
Replies: 105
Views: 11173

Re: Engagmenet in 5 months - prenup questions for newbie

If you want to protect yourself against divorce, keep dating and get to know one another better. 2.5 years between the ages of 23 and 26 is a short blip of one’s life. Talk about finances, spending on family gifts, and how you would handle inheritances. If she is using family money to enhance her everyday standard of living, then figure out how you navigate that as a couple now. You talk about uncertainty around paying for a wedding. It should be discussed on a general level way before proposing.
by campy2010
Thu Aug 31, 2023 7:47 am
Forum: Personal Investments
Topic: How much deficit would you run to fund a third child?
Replies: 22
Views: 2404

Re: How much deficit would you run to fund a third child?

IMHO, Kids are a 2 yes, 1 no decision. Spend some money on couples counseling. Pushing the child raising phase into your early 60s is a big decision and a challenge you both should be excited to take on. Parental burnout is a real thing. The only people I know who have 3 little kids and high powered careers have at least one stay at home parent (or in one case kids raised by nannys)

Personally, I think you should stop using your inherited IRA to fund your current lifestyle. It’s your money. Save it for a rainy day.
by campy2010
Wed Aug 30, 2023 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice for a confused premed student
Replies: 53
Views: 5441

Re: Seeking advice for a confused premed student

The reality is that most professions are going to have significantly more challenges for Gen Z than there were for Boomers and elder GenXers. In my opinion listening to the complaints of workers old enough to leave the workforce is unwise because what they experienced won’t be relevant to the labor market Gen Z will encounter in their careers. Gen Z needs to think about their professions in the context of what they will face from his point forward. AI is going to reduce the demand for many types of white collar labor and it’s going to be the driving force in the labor market going forward. I think being a doctor is a field that is somewhat insulated from AI due to the induced shortage created by the AMA. At the end of the day, i think it is...
by campy2010
Tue Aug 29, 2023 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: When is a gift not a gift?
Replies: 12
Views: 1655

Re: When is a gift not a gift?

rob wrote: Tue Aug 29, 2023 8:06 pm When it's a boomerang... Sam gives 10K in a brown baggie to Sam Jr on the condition he gives it back next tax year...
A no interest loan can still be a gift.
by campy2010
Tue Aug 29, 2023 4:19 pm
Forum: Personal Consumer Issues
Topic: Athletic Trainer vs Physiotherapist
Replies: 7
Views: 955

Re: Athletic Trainer vs Physiotherapist

The quality of the practitioners in both fields is a mixed bag. Be happy you found one who helped your issue.
by campy2010
Wed Aug 23, 2023 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Job Question
Replies: 22
Views: 2316

Re: Job Question

Set aside the conversation about compensation and spend some time meditating on how each job contributes to your your personal and professional goals. I just watched this YouTube on the Principles of Success by Ray Dalio. Worth checking out. https://m.youtube.com/watch?v=B9XGUpQZY38
by campy2010
Mon Aug 14, 2023 10:15 am
Forum: Personal Consumer Issues
Topic: Travel to France
Replies: 5
Views: 656

Re: Travel to France

Lyon has an interesting food scene. The towns surrounding Nice are lovely. As are the towns north of Marseille (Avignon and Aix en Provence). I would suggest a car for the Aix region. It can be done without, but you won’t see as much. Nice and Lyon can be done with public transport and Uber. I don’t know much about Toulouse or Nantes…they are less touristy.
by campy2010
Sun Aug 06, 2023 9:44 am
Forum: Personal Investments
Topic: Took dream job and essentially in Retirement (withdrawing) while working (accumulating)
Replies: 93
Views: 12077

Re: Took dream job and essentially in Retirement (withdrawing) while working (accumulating)

This is cynical millennial thinking but given the divorce rate in the US, I think it’s only prudent to think of your nest egg as 50% yours and 50% belonging to your spouse. So $1.5 million heading into retirement is only $750k belonging to you. If you’re comfortable with and planning to head into retirement with $750k then great. Divorce aside, running out of money in retirement is actually a much bigger risk to the woman because we tend to live longer and on whatever is left after the end of life medical care expenses for the man. I think that’s my takeaway, don’t have this conversation with us. Have it with your spouse. Lay out the negative deficit and make sure you are both collectively on board and comfortable with the current situation...
by campy2010
Sun Jul 30, 2023 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep track of whether your salary is keeping up with market?
Replies: 47
Views: 4521

Re: How do you keep track of whether your salary is keeping up with market?

Interview every now and then and talk to recruiters. I’m doing it right now and have learned a lot about the changing landscape of my industry that has made it a worthwhile process even if I stay put. This doesn’t mean just applying, it involves talking to recruiters, redoing your resume, pitching yourself for the roles you want, thinking about and framing your success stories and why you are a fit for the roles you’re seeking, etc. It’s likely you may hear why you’re ‘not’ a fit for the roles you may be interested in and that’s valuable information itself. I agree with campy2010 but go about it in a more low key manner that doesn't take up a lot of my time. Set up your LinkedIn profile to "Open to Work" for recruiters only, and ...
by campy2010
Sun Jul 30, 2023 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How do you keep track of whether your salary is keeping up with market?
Replies: 47
Views: 4521

Re: How do you keep track of whether your salary is keeping up with market?

Interview every now and then and talk to recruiters. I’m doing it right now and have learned a lot about the changing landscape of my industry that has made it a worthwhile process even if I stay put. This doesn’t mean just applying, it involves talking to recruiters, redoing your resume, pitching yourself for the roles you want, thinking about and framing your success stories and why you are a fit for the roles you’re seeking, etc. It’s likely you may hear why you’re ‘not’ a fit for the roles you may be interested in and that’s valuable information itself.
by campy2010
Fri Jul 28, 2023 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: "Upgrading" a Subaru Forester to a Tesla Model Y?
Replies: 133
Views: 13315

Re: "Upgrading" a Subaru Forester to a Tesla Model Y?

Seems like a good time to start a college fund.
by campy2010
Thu Jul 27, 2023 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Students Loans - Pay Off Now or New SAVE Plan + PSLF
Replies: 31
Views: 2165

Re: Students Loans - Pay Off Now or New SAVE Plan + PSLF

I would be careful about whose opinions you listen to on this topic. I consistently see people on this forum and other general financial forums advising people to not use the student loan forgiveness programs simply because they don’t like debt or they don’t like that the programs exist or they don’t think the programs will exist in the future even though there is no evidence that will be the case. They are not giving you financial advice, it’s a political opinion veiled as financial advice. Do what makes sense for you financially. The PSLF program exists for public servants like your wife. If it saves you $26k then to me that’s a no brainer. You can file married filing separately and reduce her monthly payments further. As an aside, there ...
by campy2010
Sun Jul 09, 2023 6:57 pm
Forum: Personal Consumer Issues
Topic: Trip to Amsterdam
Replies: 53
Views: 4364

Re: Trip to Amsterdam

David Jay wrote: Sat Jul 08, 2023 2:54 pm Just watch out for the homicidal bicyclists! The red sidewalks are for bicycles and you risk life and limb if you cross a red sidewalk without looking both ways or casually strolling across.
Bicyclist have priority over pedestrians and also cars in Amsterdam. So by their rules, only homicidal pedestrians walk in front of moving bicycles.
by campy2010
Sat Jul 08, 2023 12:15 pm
Forum: Personal Consumer Issues
Topic: someone with my name keeps using my email address
Replies: 137
Views: 9115

Re: someone with my name keeps using my email address

Dozens and dozens of people use my first name.last name email for their spam and online shopping. I have a pretty common last name. You’re lucky you only have one. In my experience, there’s not much you can do except delete or block.
by campy2010
Mon Jul 03, 2023 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Advice on student loan repayment options
Replies: 93
Views: 8446

Re: Advice on student loan repayment options

I say try for the NIH program. $20k forgiveness is a decent chunk of money even if it is administratively sorta annoying to deal with. If you don’t win the award then re-evaluate. I wouldn’t worry about the forgiveness being taxable income. You’re likely in a low enough tax bracket that the taxes will only be a few hundred dollars. Don’t let the tax tail wag the dog.
by campy2010
Sun Jul 02, 2023 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you reconcile your personal accounts?
Replies: 112
Views: 7715

Re: Do you reconcile your personal accounts?

Absolutely not. I check statements once a month or so to make sure there was no fraud.
by campy2010
Fri Jun 30, 2023 6:50 pm
Forum: Personal Consumer Issues
Topic: Home search across multiple states?
Replies: 22
Views: 1504

Re: Home search across multiple states?

Properties in these markets in this price range don’t sit on the market for more than a week or so. It might be different in 2-4 years but somehow I doubt it.
by campy2010
Wed Jun 28, 2023 6:10 pm
Forum: Personal Consumer Issues
Topic: Smart Key on new Toyota worries me
Replies: 146
Views: 12699

Re: Smart Key on new Toyota worries me

I love modern conveniences like key fobs. And auto pay (different thread). My car says when the fob battery is low on the dash.
by campy2010
Tue Jun 27, 2023 11:15 am
Forum: Personal Finance (Not Investing)
Topic: FAANG+/CS - Career vs. lifestyle/location/housing
Replies: 121
Views: 8542

Re: FAANG+/CS - Career vs. lifestyle/location/housing

Your D is young, my advice is to pull way back on the pressure even if D initiates. Practice a few phrases: ‘you’re young, you don’t need to worry about that yet’ ‘make sure you’re making friends and having fun’ ‘what are your vacation plans’ ‘renting is ok when you’re young, it gives you flexibility’, ‘you’re doing great, just keep it up’ If she has this level of financial anxiety about homes and daycare at 23 and is doing well, then she needs a voice that reduces the pressure on her rather than amplify it with advice or problem solving. Adulting is a marathon, not a sprint.
by campy2010
Sat Jun 24, 2023 4:04 pm
Forum: Personal Consumer Issues
Topic: Do you make *deep dish* style pizza at home?
Replies: 8
Views: 1357

Re: Do you make *deep dish* style pizza at home?

I trust Kenji at seriouseats.com for most recipes. It’s my first stop for a recipe and how to. I always par bake my traditional pizza crusts under the broiler before adding sauce and topping.

https://www.seriouseats.com/how-to-make ... ted-recipe
by campy2010
Fri Jun 23, 2023 1:53 pm
Forum: Personal Consumer Issues
Topic: Remodeling Bathroom: where can we shower?
Replies: 39
Views: 2696

Re: Remodeling Bathroom: where can we shower?

1-2 months for a bathroom remodel seems like a lot. I would do whatever I could to speed up the project and minimize the time the shower and toilet are,out of order. Even if it means two stage demolition or other compromises. Most people move out of houses when they’re at the stage of no plumbing for long stretches. In my book, an Airbnbor or other monthly rental would be preferable to sponge baths and porta potties.
by campy2010
Sun Jun 18, 2023 8:18 am
Forum: Personal Consumer Issues
Topic: Market timing a car rental for price/availability?
Replies: 29
Views: 2389

Re: Market timing a car rental for price/availability?

I lived car free for awhile and have quite a bit of experience at several busy neighborhood car rental locations. I’ve witnessed a lot of swaps and what car rental locations will do for customers. If there are no vehicles at the location, they can get them from other locations or will send customers to other locations. However, in busy periods sometimes all the vehicles are out and everyone is SOL, but I think that’s more rare and tended to happen during very peak tourist season. Since you’re very smartly picking up the day prior, my suggestion is to call ahead before you come to pick up and ask about whether the van is there and will be ready for young pick up at 5pm. If you sense some hesitation, then get there a little early and expect i...
by campy2010
Thu Jun 15, 2023 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Question re: Student Loan Pause/Payments Resuming
Replies: 7
Views: 754

Re: Question re: Student Loan Pause/Payments Resuming

If the interest accrued during school has not yet been capitalized yet then paying off the interest will be a small savings as you avoid paying interest on interest. If the interest has already capitalized, then it’s just a $6600 loan and there’s no reason to worry about principal vs interest. My advice, do the lump sum and then work with your child to find a reasonably aggressive repayment schedule for the balance of the loan. Knowing the interest rate is important because that will help your child decide how aggressive they want to be with repayment. Things to consider: There is a small tax deduction for student loan interest for those who make <$80k/yr and bank accounts are earning at least 4% these days so saving vs repayment is sort o...
by campy2010
Thu Jun 15, 2023 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Question re: Student Loan Pause/Payments Resuming
Replies: 7
Views: 754

Re: Question re: Student Loan Pause/Payments Resuming

Silk McCue wrote: Thu Jun 15, 2023 7:55 am It is my understanding the interest does not compound on student loans and is only applied against the current principal. If that is the case then any excess payments should be made to principal.

Cheers
This is partially true. Interest accrued during deferment periods, like in school deferment or unemployment deferment, is added to the principal at the end of the deferrment period if it was not paid.
by campy2010
Thu Jun 15, 2023 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Question re: Student Loan Pause/Payments Resuming
Replies: 7
Views: 754

Re: Question re: Student Loan Pause/Payments Resuming

If the interest accrued during school has not yet been capitalized yet then paying off the interest will be a small savings as you avoid paying interest on interest. If the interest has already capitalized, then it’s just a $6600 loan and there’s no reason to worry about principal vs interest. My advice, do the lump sum and then work with your child to find a reasonably aggressive repayment schedule for the balance of the loan. Knowing the interest rate is important because that will help your child decide how aggressive they want to be with repayment. Things to consider: There is a small tax deduction for student loan interest for those who make <$80k/yr and bank accounts are earning at least 4% these days so saving vs repayment is sort of...
by campy2010
Mon Jun 12, 2023 4:59 pm
Forum: Personal Consumer Issues
Topic: London in August - hotel recommendations
Replies: 15
Views: 1363

Re: London in August - hotel recommendations

Whenever I’m in a big city, I like to stay near the city’s main park if I can because i enjoy walking through the park and its usually guaranteed to be a nice neighborhood. I stayed near the Bayswater/Queensway tube station on the north side of Hyde Park and it was a good location. Perfect location for an evening bike ride/walks around Hyde park after the crowds thinned and in the surrounding neighborhoods like Kensington and Notting Hill. The hotel West Suites was fine and inexpensive at the time with Chase points but probably not worth peak summer rates. Lots of other options nearby.
by campy2010
Mon Jun 12, 2023 12:25 am
Forum: Personal Consumer Issues
Topic: Pinot Noir on the lower end?
Replies: 96
Views: 10215

Re: Pinot Noir on the lower end?

At the <$30 price point, Pinots are mass produced and can be hit or miss. This article mentions some interesting alternatives. Grenache based cote de Rhône, which is the variety I have been exploring recently and enjoy. Nebbiolos are another suggestion.

https://discover.wineaccess.com/pinot-alternatives/
by campy2010
Sun Jun 11, 2023 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Relocate when Remote
Replies: 27
Views: 2796

Re: Relocate when Remote

Long term, rural towns tend to have poor schools and limited access to quality healthcare among other downsides. At the end of the day, this is a marital issue more than a financial/location issue. Find a place you both agreed on that supports your career.
by campy2010
Sat Jun 10, 2023 3:03 pm
Forum: Personal Consumer Issues
Topic: Grated Ginger?
Replies: 17
Views: 1504

Re: Grated Ginger?

Microplanes have multiple uses in the kitchen. I use mine for grating garlic and ginger. Or I toss them in chunks into a blender or food processor or magic bullet if they’re going into a marinade or something like that. Older, woodier ginger is hard to grate so sometimes you just have to chop it with a knife.
by campy2010
Mon Jun 05, 2023 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for controlling spending during "messy" 30's?
Replies: 34
Views: 4408

Re: Advice for controlling spending during "messy" 30's?

I heard the food budget argument over and over and over again throughout my childhood because it was one aspect of finances my dad didn’t have much control over and he didn’t shop, meal plan, or cook so he had no context for the expense. He saw the number and it always just seemed too big resulting in an argument. It was exhausting. Hearing this budget argument for 18 years is the reason I don’t budget my money as an adult. Anyway, in my opinion if you have small children and want a no waste food budget then pitch in with the meal planning, shopping, and cooking. Create some meals from the back of the cabinet. Have a leftover night. Challenge yourself to make some low budget meals. Reduce your meat intake. Meal plan together and buy exactly...
by campy2010
Sun Jun 04, 2023 7:16 am
Forum: Personal Consumer Issues
Topic: Wifi for Whole House - Your Recommendations?
Replies: 81
Views: 5596

Re: Wifi for Whole House - Your Recommendations?

I have had issues with my Google mesh system. The models I own have a known software bug that google has failed to fix for several years. Go with one of the other brands.
by campy2010
Tue May 30, 2023 6:14 pm
Forum: Personal Consumer Issues
Topic: Planning East Coast Trip (NYC, Boston)
Replies: 61
Views: 4464

Re: Planning East Coast Trip (NYC, Boston)

Skip the overnight stay in Providence and the night on Cape Cod and stay in Newport RI instead. It has a nice summer New England beach vibe. The old mansions are lovely. Stop at Brown for a few hours on the way up to Boston.
by campy2010
Fri May 26, 2023 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Accept this Job Offer?
Replies: 60
Views: 9458

Re: Should I Accept this Job Offer?

Absolutely yes, take it as long as the bank is in a relatively sound place financially.
by campy2010
Fri May 26, 2023 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Burnout and still getting unemployment?
Replies: 25
Views: 2350

Re: Burnout and still getting unemployment?

ShaftoesSpreadsheet wrote: Fri May 26, 2023 12:01 pm
Tamalak wrote: Fri May 26, 2023 11:43 am Employer can't work you to death if you set boundaries and quiet quit. Your wife should decide what workload and tasks she's willing to handle, stick to those, and be deaf to criticism. If they fire her, unemployment time.
Also, is quiet quitting ethical? Seems like it would be playing games and wasting the employer's time and money. Sure lots of people do it. Wife isn't really interested in that approach.
Quiet quitting does not mean doing no work. It means putting in your hours, doing the job you’re paid to do at a reasonable speed/efficiency level, and then signing off at the end of the day. How is that unethical?
by campy2010
Fri May 26, 2023 11:59 am
Forum: Personal Consumer Issues
Topic: Electric Supplier Rate Shopping in MA
Replies: 7
Views: 504

Re: Electric Supplier Rate Shopping in MA

Some towns have community electric programs that are usually consistently the lowest price. The non-community plans are borderline scams because they operate like internet providers with low teaser rates banking on you forgetting to switch. Anyway, the Eversources rates will go down by about 50% for the summer on July 1 to something like 17-18 cents/kWh so staying put until rates go up for winter might be the best option.
by campy2010
Mon May 22, 2023 1:02 am
Forum: Personal Consumer Issues
Topic: London itinerary critique
Replies: 19
Views: 1636

Re: London itinerary critique

You’ve hit all the major sights and then some. I think a few mornings/afternoons of your itinerary don’t make sense and I suppose it’s because you’re trying to maximize your London Pass. But it means you’re leaving and returning and skipping things that are literally right next door. I am more of an architecture, garden, park, neighborhood, see the outside skip the historical tour type traveler so I mainly feel like you might be hitting tourist sights too hard. But I suspect it might be because your London pass activities are the firm plans. Really a matter of preference. Day 1 definitely no need to take the tube to Westminster. It’s a 20 minute walk and plenty to see. Walk through the city there and along the river back. Or cross over to t...