Search found 117 matches

by eddiejov55
Fri Dec 09, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: HELP: salary negotiation
Replies: 17
Views: 2961

Re: HELP: salary negotiation

Update: I turned down the job offer. When I received all the final paperwork of the offer there were some additional nuggets: the extent of the non-compete (1 year) and non-solicit (2 years) were double my current obligations and the vacation schedule was 1/2 of my current allotment. This was in add...
by eddiejov55
Wed Dec 07, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: HELP: salary negotiation
Replies: 17
Views: 2961

Re: HELP: salary negotiation

Hope they have a 401k plan (even if no match). Is it the same vacation, holiday, time-off? If they are not budging on base salary, and time-off is very important to you, negotiate an extra week per year. Sometime companies/managers don't want cash out the door, but are ok with non-cash compensation...
by eddiejov55
Wed Dec 07, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: HELP: salary negotiation
Replies: 17
Views: 2961

Re: HELP: salary negotiation

Thanks for the feedback team! Great suggestions!
by eddiejov55
Wed Dec 07, 2016 8:17 am
Forum: Personal Finance (Not Investing)
Topic: HELP: salary negotiation
Replies: 17
Views: 2961

Re: HELP: salary negotiation

What about location? Are you moving here? Location of the country for job? Healthcare plans between sites? No location change. Commute would go from 5 mins to around 20 mins. So not a bad adjustment. I am located in the midwest and relatively low cost of living area. Healthcare plans comparable.
by eddiejov55
Wed Dec 07, 2016 6:58 am
Forum: Personal Finance (Not Investing)
Topic: HELP: salary negotiation
Replies: 17
Views: 2961

HELP: salary negotiation

I'm getting ready to begin salary negotiations and wanted to seek some boglehead help for how to proceed. I'm 37 and this would be my first big career move to a different company. ANNUAL COMPENSATION NOW Current salary: $200K (i was promoted in November and received new title and a $15K to take me t...
by eddiejov55
Fri May 20, 2016 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: The best use of approx. $100,000
Replies: 14
Views: 2369

Re: The best use of approx. $100,000

I don't think you have as many choices as you think Kamizaze. Your original post clearly says that he wants to "Help you pay down your house loan with ensuing cash..." Sounds like the money is a loan. And he is willing to accept a lower interest rate than what you are paying on your mortgage. Perhap...
by eddiejov55
Sun Dec 06, 2015 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Non-Qualified Savings Plan
Replies: 4
Views: 646

Re: Non-Qualified Savings Plan

Thanks for the response. I've read a significant number of the articles already, but I'm really looking for advice on the following: (1) I'm 36, are there any people my age out there who have taken advantage of these plans? And to what extent? If I were 55, this would be a no-brainer. But I'm not. I...
by eddiejov55
Sat Dec 05, 2015 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Non-Qualified Savings Plan
Replies: 4
Views: 646

Non-Qualified Savings Plan

Team Bogleheads: I've recently been granted access to my Fortune 1000 company's non-qualified savings plan. I have never participated in something like this before, so all new to me. Here are the rules: (1) I can defer up to 50% of my salary (FY2016 = $175K) (2) I can defer up to 75% of my target bo...
by eddiejov55
Mon May 11, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Which Company Do You Have Auto Insurance With?
Replies: 105
Views: 11062

Re: Which Company Do You Have Auto Insurance With?

I'm surprised by the lack of people responding with "PROGRESSIVE" for car insurance?!? Prior to moving to Progressive in 2010, I had USAA. When my car insurance renewal came up in Sept. 2010, USAA wanted to raise my rate by 3.5% (From $475 for two cars to $492). I called all of the big name provider...
by eddiejov55
Thu Jan 08, 2015 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a home?
Replies: 48
Views: 5391

Re: Can we afford to buy a home?

Here is the projected budget that i have written out: ~5100/mo Mortgage: 1300 Utilities: 200 Cable/Net: 200 Cell: 120 Debt: 450 CC: 1400 Gym: 55 Roth Contribution: 900(his & hers, ultimately) Total: 4625 Discretionary funds: 475 Now the CC figure is rather liberal for us. This would include gas/gro...
by eddiejov55
Mon Jul 21, 2014 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 84273

Re: Hw many credit cards to own?

(1) AMEX Blue Cash
(2) AMEX Costco
(3) Chase Freedom
(4) Capital One Mastercard (for International travel)

That covers me.
by eddiejov55
Sun Jul 06, 2014 3:34 am
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 115
Views: 23251

Re: How to admit/should I admit alcohol problem to employer

Quick google search brings up a few articles that provide interesting info for you: 1. You have to start the treatment process ASAP because that is the key to protecting you under the law. http://www.recoveryconnection.org/protecting-career-job-drug-rehab/ 2. Your rights according to HHS. Alcoholism...
by eddiejov55
Fri Jul 04, 2014 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track at age 34?
Replies: 19
Views: 2937

Re: Am I on the right track at age 34?

Yes, you're doing fine.

But you could be doing better if you saved more. You are spending quite a bit if you make $100k, rent an apartment for $800 per month, and only save $5500 for an IRA. Are you in trouble? No.
by eddiejov55
Sun Jun 08, 2014 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Ira Asset Allocation
Replies: 2
Views: 421

Re: Roth Ira Asset Allocation

Mich_Bogle hit the nail on the head. Look at your investments as part of one big asset allocation and use the tax-advantaged accounts to hold the most inefficient funds.
by eddiejov55
Sat May 10, 2014 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Getting Married! Is my plan still our plan?
Replies: 17
Views: 2294

Re: Getting Married! Is my plan still our plan?

To answer your question: no, I don't believe getting married changes your financial goals. The only thing that changes is you will want to include her in your financial thought process so that she is your partner in setting goals. If you are both on the same page, then no worries. Keep in mind that ...
by eddiejov55
Sat May 10, 2014 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with $300k at 25yrs old? Is franchising for me?
Replies: 21
Views: 4027

Re: What to do with $300k at 25yrs old? Is franchising for m

I just want to have a bit over middle class life with a couple of kids and the freedom from a 40 hour a week job. So essentially you want what everyone wants: to work very little and have enough money to do what you want to do. Franchising isn't for you. I would look more into the bed & breakfast r...
by eddiejov55
Sun Apr 27, 2014 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Quick Help Needed - Renting with absentee landlord
Replies: 12
Views: 3235

Re: Quick Help Needed - Renting with absentee landlord

If you drove by the house and spoke to the current occupants, why can't you just get the contact information of the landlord from them? Then let the real landlord know that there is someone impersonating them on the internet.

Or...

The current occupants are in on the scam.
by eddiejov55
Sun Apr 27, 2014 9:35 am
Forum: Personal Consumer Issues
Topic: Hotel recommendation in Playa Del Carmen (or nearby)
Replies: 6
Views: 1982

Re: Hotel recommendation in Playa Del Carmen (or nearby)

I've been to this area several times and I would consider renting a car. There are some great things to do and it is very easy to drive: - Coba (Mayan ruins) - various cenotes (fresh water swimming holes) - visiting small towns that are off the beaten path - Tulum I'd grab a Lonely Planet guide to g...
by eddiejov55
Fri Apr 25, 2014 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Lump Sum 529 contribution or not?
Replies: 8
Views: 1217

Re: Lump Sum 529 contribution or not?

I would dump the money in at once to maximize the time for compounding...
by eddiejov55
Mon Jan 27, 2014 9:11 pm
Forum: Personal Consumer Issues
Topic: .....
Replies: 38
Views: 4657

Re: "Oldies" for young people - what's popular?

I just caught my nine year old singing "These Boots are Made for Walking" (~1966 from Nancy Sinatra). You tune and Pandora give a lot of variety. PS - I showed her the Nancy Sinatra version on YouTube..she confirmed it was that version she heard, and not a cover. That is so funny. And Frankie Valli...
by eddiejov55
Mon Jan 27, 2014 8:59 pm
Forum: Personal Consumer Issues
Topic: .....
Replies: 38
Views: 4657

Re: "Oldies" for young people - what's popular?

Any group that utilizes harmonies will often point to The Beach Boys as an influence. The harmonies of Brian Wilson are unbelievable. But a lot of people don't know that his harmonies were influenced by The Everly Brothers. I have only heard mention of the Four Freshman, not so much of the Everly B...
by eddiejov55
Sun Jan 26, 2014 9:29 pm
Forum: Personal Consumer Issues
Topic: .....
Replies: 38
Views: 4657

Re: "Oldies" for young people - what's popular?

If you have an appreciation for music, that appreciation is not harnessed by just current sounds / popularity. Those who are moved by music want to know who influenced their "favorite" artists. Once that question enters the brain, then it begins a never ending journey of musical discovery. Any group...
by eddiejov55
Sun Jan 12, 2014 10:02 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 613
Views: 101572

Re: High Earners - What's Your Profession?

Buyer / Demand forecaster - Fortune 1000 company in retail sector.
by eddiejov55
Wed Jan 01, 2014 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest $5,500 in Roth IRA in 2014?
Replies: 53
Views: 7923

Re: When to invest $5,500 in Roth IRA in 2014?

If you have the money ready-to-go, then invest right away. If that makes you uncomfortable then spread it out over a few months. As you said, no one knows what the market is going to do in the future. If you believe that as truth, then complete your 2014 Roth IRA contribution and relax. If it makes ...
by eddiejov55
Sun Dec 22, 2013 2:56 am
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 53
Views: 6136

Re: AAA worth it? I have Allstate

If you get AAA then I would go "AAA plus" due to the towing services. Standard AAA gives you 3 free miles of towing and then you're billed a per mile charge (I think $3.50). If you go AAA plus, then you get 100 free miles for the tow. This is the biggest benefit to AAA in my opinion.
by eddiejov55
Sat Dec 07, 2013 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Making insurance claim v. Potential premium increase
Replies: 12
Views: 838

Re: Making insurance claim v. Potential premium increase

I feel like the OP knows that the amount is really low and that OP wouldn't file a claim under normal circumstances because of the damaging effect on premiums - but I get the feeling there is some element of "it's the principle of the matter" involved and OP is looking for confirmation that premiums...
by eddiejov55
Sat Dec 07, 2013 8:57 am
Forum: Investing - Help with Personal Investments
Topic: advice for newbie
Replies: 10
Views: 1132

Re: advice for newbie

Yes, you are speaking non-sense. You are looking at tax-advantaged accounts wrong. Think of it like this: in exchange for investing in a traditional IRA or 401k until you reach retirement age the government allows you to deduct your contributions from your income taxes. So you are effectively shield...
by eddiejov55
Thu Oct 31, 2013 11:29 am
Forum: Personal Finance (Not Investing)
Topic: credit card fraud
Replies: 49
Views: 7038

Re: credit card fraud

My example is close: I received fraud notification from a credit card company on the same day that I received my new card in the mail. Surprisingly, the fraudster range up over $400 in USPS "quick shipping" charges. I still get a chuckle out of the fact that the fraudster used the USPS :) Anyways, t...
by eddiejov55
Sun Oct 20, 2013 1:18 am
Forum: Personal Consumer Issues
Topic: 48 Hours in Hong Kong -- Recommendations?
Replies: 4
Views: 856

Re: 48 Hours in Hong Kong -- Recommendations?

If you're a night owl, then visit Lan Kwai Fung for nighttime entertainment. Hong Kong has an absolutely amazing eating scene. I'm partial to the steak house at the intercontinental hotel in Kowloon - sea salt and steak knife presentation are great. If you are not worried about a food budget then tr...
by eddiejov55
Sun Oct 20, 2013 1:07 am
Forum: Personal Consumer Issues
Topic: Travel in Japan, Taiwan, Korea
Replies: 16
Views: 3268

Re: Travel in Japan, Taiwan, Korea

I am going to focus my suggestions on Japan. I've been to Japan several times (some by myself) and it is one of my favorite places to visit. The first thing you need to do is purchase a JR rail pass so you have access to the high speed train network. This will give you the freedom to travel all arou...
by eddiejov55
Sun Oct 20, 2013 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Anyone Get in & Invest in the "Friends and Family" Stage?
Replies: 13
Views: 1601

Re: Anyone Get in & Invest in the "Friends and Family" Stage

...I currently put down around $8K for a Preliminary Shareholder Auction...this is my first time really investing... If this is your first time investing in anything, then you might be well served to start another thread that seeks a few opinions on your overall financial strategies...as they are o...
by eddiejov55
Thu Oct 17, 2013 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: The bank took my $50 counterfeit money and gave me nothing
Replies: 90
Views: 20803

Re: The bank took my $50 counterfeit money and gave me nothi

This thread is awesome. It is a brilliant mixture of serious suggestions and sarcasm...I'm still laughing when I visualize the OP standing in a bank, trying to deposit a counterfeit $50, he is rejected by the cashier and he proposes two solutions: 1. Give it back to me... 2. Give me credit for the m...
by eddiejov55
Fri Oct 04, 2013 11:59 pm
Forum: Personal Consumer Issues
Topic: Progressive Snapshot - caution and help?
Replies: 12
Views: 6868

Re: Progressive Snapshot - caution and help?

I found the snapshot to be a fascinating experiment into my perceived driving skills and the driving skills a corporation feel I need to qualify for a discount. I passed the corporate gatekeeper and have enjoyed a -18% drop in insurance costs.
by eddiejov55
Sun Sep 29, 2013 10:30 pm
Forum: Personal Consumer Issues
Topic: Prices changed as I was going to make Las Vegas reservation.
Replies: 18
Views: 2273

Re: re: guys one more question on Las Vegas hotel

I've stayed at the Signature (MGM) and The Hotel (Mandalay Bay). I don't think you can go wrong with either one, but I would only choose Signature if prices were comparable. Since The Hotel is much cheaper, I would choose that route. The rooms are a little darker and it is closer to the casino. The ...
by eddiejov55
Sun Sep 29, 2013 6:26 am
Forum: Personal Consumer Issues
Topic: Breaking Bad (TV Show)
Replies: 74
Views: 7908

Re: Breaking Bad (TV Show)

Love this show. Vince Gilligan (show creator) has said the ending will be satisfying for fans...which gives zero clues :) They have done a great job with season 5!!!
by eddiejov55
Sat Sep 28, 2013 9:45 am
Forum: Personal Consumer Issues
Topic: phone upgrade- 1st smart phone
Replies: 23
Views: 1851

Re: phone upgrade- 1st smart phone

Go with the iPhone 5 or 5s. I would also go with the 32g. I've found that newbies really enjoy the video feature and that can take up some gigs, so might as well buffer yourself a bit. The picture quality is fantastic and rivals some very nice cameras on the market. Many people are ditching traditio...
by eddiejov55
Sun Sep 08, 2013 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Help switching Insurance - anyone use Geico??
Replies: 30
Views: 3447

Re: Help switching Insurance - anyone use Geico??

I shop around every year, or two, for most competitive rates. My wife and I recently purchased our first home and we now have car insurance through progressive and home insurance through USAA. I haven't been able to beat the progressive rates for car insurance (not even close) and the home insurance...
by eddiejov55
Sun Sep 01, 2013 2:04 pm
Forum: Personal Consumer Issues
Topic: Vacation cost rule of thumb
Replies: 30
Views: 5850

Re: Vacation cost rule of thumb

I target saving 5% for vacations until my vacation fund is maxed out. This is my rule of thumb. My wife and i try to take one international trip per year. Essentially I keep a vacation fund of $10K. If I spend it, then I start saving again. If I only spend a portion on vacations, then I replenish. B...
by eddiejov55
Sat Aug 31, 2013 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can I get the bank to allow me to rent out my place?
Replies: 20
Views: 2930

Re: Can I get the bank to allow me to rent out my place?

Do you have an FHA loan? There are a lot of condo developments that have very strict owner/rental policies due to Government requirements for associations dealing heavily in FHA loans. Not sure of the specifics (perhaps the rules differ by state) but I believe that something like 90% of units must b...
by eddiejov55
Sat Aug 31, 2013 8:23 am
Forum: Personal Consumer Issues
Topic: What activities to enroll my daughter in -pls help me decide
Replies: 17
Views: 2206

Re: What activities to enroll my daughter in -pls help me de

I would definitely vote for piano. I played for 20 years and it enhanced my hand/eye coordination, my memory, the dexterity of my hands, my level of concentration, my ability to multitask, and provided experiences that were great for college entrance essays. I would also vote for some type of team s...
by eddiejov55
Sat Aug 31, 2013 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Get an MBA or Invest?
Replies: 50
Views: 5244

Re: Get an MBA or Invest?

short answer: MBA will gain you more income than you ever will earn from your investment. i would not delay I did a fulltime MBA, and between the years of lost salary and tuition, I figure I am in the hole to the tune of $300,000+. I don't expect that I will ever recover this amount, as my post-MBA...
by eddiejov55
Sat Aug 24, 2013 9:54 am
Forum: Personal Finance (Not Investing)
Topic: home security system (wireless)
Replies: 8
Views: 1966

Re: home security system (wireless)

I second the "canary" system. I'm getting into this as well. I hope it will force intruders to pick it up, examine it, and produce a nice video for the police while I yell at them wirelessly.
by eddiejov55
Sat Aug 24, 2013 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Best place for cash now - lowest risk & best return options
Replies: 11
Views: 1687

Re: Best place for cash now - lowest risk & best return opti

Given your short time horizon (2yrs) then a CD is probably your best bet to protect principle. Of you extend your horizon and little bit longer than I would look into parking some cash into I-Bonds via treasury direct. But for short term, principle protection -- options are limited in current rate e...
by eddiejov55
Mon Aug 19, 2013 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Retirement savings by mid 30s?
Replies: 35
Views: 7308

Re: Poll: Retirement savings by mid 30s?

OP - I don't know what you're trying to learn with this poll? This is the second post you've made where you have to clarify / apologize for your comments. In one post you talk of making $315k per year, talk of living paycheck to paycheck, and then start a poll wanting to see how your savings stacks ...
by eddiejov55
Sun Aug 11, 2013 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Who manages your finances? Him/Her/Both?
Replies: 58
Views: 4253

Re: Who manages your finances? Him/Her/Both?

I manage all our finances, despite repeated efforts to engage my wife. No sell. ZERO interest. Oh well, I did try. +1 :idea: Reminds me: go make a simple to follow investment plan just in case +2. She just reminds me every once in awhile that bogleheads better not be some shorthand of a Vegas betti...
by eddiejov55
Thu Jul 11, 2013 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Young mid-20s, is I-Bonds for Emergency Fund a good idea?
Replies: 12
Views: 1898

Re: Young mid-20s, is I-Bonds for Emergency Fund a good idea

I was in my 20's not too long ago... I keep a portion of my emergency fund in I-Bonds simply due to the principle protection. One added bonus that appeals to some people is the ability to withdraw money for qualifying education expenses (ie: future children). This makes I-Bonds as a good tool for em...
by eddiejov55
Sun Jul 07, 2013 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Complete noob looking for investing guidance
Replies: 36
Views: 2943

Re: Complete noob looking for investing guidance

I was talking to my dad about the state of the treasury or something they are about to do which would make bonds less appealing right now. Any thoughts on this? Dude, you're a little ahead of yourself!! Slow down. You started by saying you needed to learn investing terminology and now your hesitant...
by eddiejov55
Mon Jun 17, 2013 12:07 pm
Forum: Personal Consumer Issues
Topic: What did you give your wife on your wedding day?
Replies: 81
Views: 7107

Re: What did you give your wife on your wedding day?

It took me a little while to get on board the "giving your future wife a gift on the wedding day" train - especially after the expense of the engagement ring, wedding ring, wedding expenses, and honeymoon!! However... I went the sentimental/affordable route: I had a custom flower vase made with a me...
by eddiejov55
Wed Jun 12, 2013 2:50 am
Forum: Personal Consumer Issues
Topic: Business Travel to Tijuana/Tecate/Ensenada
Replies: 35
Views: 3342

Re: Business Travel to Tijuana/Tecate/Ensenada

I've travelled internationally quite a bit for my job and have loved every minute of it. As long as you are responsible and understand the safety measures provided by your company then I think you will be fine. "Random violence" is hard to mitigate because it is random - but you can be smart and not...