Search found 97 matches

by biscuit
Tue Apr 23, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Taking the new job or not?
Replies: 24
Views: 871

Re: Taking the new job or not?

Thanks for your response. The answer is unanimous. :)
by biscuit
Tue Apr 23, 2019 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Taking the new job or not?
Replies: 24
Views: 871

Taking the new job or not?

I'm currently working for a MegaCorp tech company. The company has been great, I love my job and like my leadership/team. The timings are flexible and I recently got selected for the Leadership Development Program. I also work from home 99% of the time with little travel to MegaCorp headquarters. I ...
by biscuit
Mon Dec 03, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 805
Views: 78146

Re: What frugal thing did you do today?

I bought clearance rye bread and sub read from Walmart for $2. I made a veggie sandwich for lunch using the Rye bread.
by biscuit
Wed Oct 03, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Accepting a Contingency Offer
Replies: 24
Views: 1556

Re: Accepting a Contingency Offer

barnaclebob wrote:
Wed Oct 03, 2018 4:12 pm
Your post made it sound like this was a 2 buyer contingency train. That seems pretty risky.

That's exactly right.
by biscuit
Wed Oct 03, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Accepting a Contingency Offer
Replies: 24
Views: 1556

Accepting a Contingency Offer

We just put our rental house for sale 5 days ago. We received a contingency offer upon the buyer selling their house. The buyer's house just went under contract (contingency offer from their buyer selling their house in CA). The house is located in Austin, TX. It seems like a risky deal to accept th...
by biscuit
Tue Sep 11, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5477

Re: $200 cash bonus offer from Citi

I've made $4,650 in bank bonuses between last year and this year. This is from just opening checking and savings accounts and doesn't include credit card bonuses or brokerage bonuses (both of which are generally more lucrative). I keep a spreadsheet with information about when to open/close account...
by biscuit
Thu Aug 16, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 21
Views: 2696

Re: Rental House Issue

GreenGrowTheDollars wrote:
Thu Aug 16, 2018 11:43 am
You aren't ok with the lease being broken because a tenant died? :shock:

That's not what's happening with my tenant. I copy pasted the legal terms in the agreement that contains such language. Please read through the information before answering.
by biscuit
Mon Aug 13, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 21
Views: 2696

Re: Rental House Issue

Thanks for the response. We are planning to sell the property after the tenant leaves. In that case, would you really let the tenant leave without any penalty for lease break? If not the rest of the lease amount, how much would you charge them? It doesn't make sense to let them leave without any pen...
by biscuit
Sun Aug 12, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Rental House Issue
Replies: 21
Views: 2696

Rental House Issue

We have a rental house approx. 5 hours from where we live. I got to know a few days ago that the current tenant is breaking the lease and moving out 4 months before the lease term ends. Now, I got to know this news only after contacting my property manager for some other thing even though she knew t...
by biscuit
Mon Feb 26, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tenant wants to renew the lease
Replies: 8
Views: 1516

Tenant wants to renew the lease

Background: My rental house is located 3 hours away from where I live. I'm going to meet my tenant in a few days ( https://www.bogleheads.org/forum/viewtopic.php?f=2&t=242790&p=3803413#p3803413 ) when I travel to the city for work. I'm thinking of changing my property manager and just want to know m...
by biscuit
Mon Feb 26, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting my tenant the first time - need help
Replies: 14
Views: 1648

Re: Meeting my tenant the first time - need help

Do something nice for the tenant.. I agree with the recommendation from btenny, but would also agree providing some sort of pleasant small gift would be appropriate. Your visit is a bit of an inconvenience, so do something nice. You will feel better, you will have something in your hand when you co...
by biscuit
Mon Feb 26, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting my tenant the first time - need help
Replies: 14
Views: 1648

Re: Meeting my tenant the first time - need help

Yes, the tenant was notified.

I'm thinking of changing the property manager and just in case, want to have the tenant contact information.
by biscuit
Mon Feb 26, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting my tenant the first time - need help
Replies: 14
Views: 1648

Meeting my tenant the first time - need help

We have a rental house in another city that's 3 hours away from where I live. I'm traveling for work to that city in the next few days and want to meet my tenant one evening. I have a property manager to manage the property, but not happy with her service lately. I want to introduce myself to the te...
by biscuit
Fri Feb 23, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Home Warranty Paid by the Seller
Replies: 17
Views: 1570

Re: Home Warranty Paid by the Seller

Thank you. How much $$ to ask as cash credit? It's not a big home (under 2300 square feet), one story house.
by biscuit
Fri Feb 23, 2018 4:32 am
Forum: Personal Finance (Not Investing)
Topic: Home Warranty Paid by the Seller
Replies: 17
Views: 1570

Home Warranty Paid by the Seller

We have an accepted offer on a house and we are in the middle of the closing process. Our seller agent is asking which home warranty we'd like to use for this property. And, I'm here to get some help on that. What needs to be covered under home warranty? How much coverage? Do you have any recommenda...
by biscuit
Wed Jan 24, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Board game for 3 year old
Replies: 36
Views: 2396

Board game for 3 year old

Would you recommend any board games to play with 3 year old (about to be 4)?
by biscuit
Wed Jan 24, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone using Root car insurance?
Replies: 1
Views: 424

Anyone using Root car insurance?

Came across an ad on Root car insurance and wondering if anyone is currently using this insurance company. They're claiming they wouldn't offer coverage to bad drivers and by eliminating that risk, they're able to give better discount rates for their customers.
by biscuit
Tue Jan 02, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: New Job Offer Dilemma
Replies: 20
Views: 2022

Re: New Job Offer Dilemma

Thanks everyone. Appreciate all your suggestions.
by biscuit
Sat Dec 30, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: New Job Offer Dilemma
Replies: 20
Views: 2022

Re: New Job Offer Dilemma

From April 2017: Thanks everyone! Appreciate all your inputs. I decided to move forward with the role for various reasons besides $$. Seven or so months into your new job, and you're already looking to jump ship? What's the vesting schedule on your current company's 401k? That post was about my hus...
by biscuit
Sat Dec 30, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: New Job Offer Dilemma
Replies: 20
Views: 2022

Re: New Job Offer Dilemma

Other questions I would ask about your current position: How long have you been with that company? In your current position? Do you enjoy the work? Your work team? Is it just the lack of promised promotion that makes you think about moving? How about possible opportunities to develop your skills? T...
by biscuit
Sat Dec 30, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: New Job Offer Dilemma
Replies: 20
Views: 2022

New Job Offer Dilemma

I received a job offer from a company a couple of days ago and I'm in a great dilemma. The new company is offering $20K more salary than my current salary. Below are the facts for your review. What would you do if you were in my situation? Current company: It's a big technology firm and the company ...
by biscuit
Wed Jun 21, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 8257

Re: Google Fi? pros/cons? anyone using it?

Have been using it for over a year with Nexus 6P. Loving it. If you decide to go with Project Fi, go through a referral. you'll get $20 off of your first bill.
by biscuit
Thu Jun 08, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Electric Razor
Replies: 17
Views: 2625

Electric Razor

Looking to buy father's day gift for my spouse. I'm wondering if you'd recommend any electric razor for clean-shave? Looking to buy one that's long lasting.

TIA!
by biscuit
Mon May 08, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Fitbit Blaze vs Apple Watch
Replies: 24
Views: 3096

Re: Fitbit Blaze vs Apple Watch

I have had an Apple Watch Series 2 for about a month now. I like it. I am able to go on runs without my phone and still be able to keep track of my course and have it sync up nicely. I am able to get notifications privately through the vibration. When using Apple Maps to navigate to and from work (...
by biscuit
Mon May 08, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Fitbit Blaze vs Apple Watch
Replies: 24
Views: 3096

Fitbit Blaze vs Apple Watch

Looking to buy a fitness watch with heart rate monitoring option. Both Fitbit Blaze and Apple Watch have good reviews and I'm not able to decide the one between the two.

If you own either of the above, would you recommend it?
by biscuit
Tue May 02, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 94
Views: 14358

HOA vs No-HOA

We are looking to buy a house and most of the houses in areas we like are not under HOA. Our previous house was under HOA. They maintained community facilities quite well and overall HOA maintenance helped increase our house value and the community value. If the house is not under HOA, there is a po...
by biscuit
Tue Apr 25, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 43
Views: 6290

Re: New job and offer - recruiter sent a wrong $$

Thanks everyone! Appreciate all your inputs. I decided to move forward with the role for various reasons besides $$.
by biscuit
Mon Apr 24, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 43
Views: 6290

Re: New job and offer - recruiter sent a wrong $$

adamthesmythe wrote:You don't say whether you already have a job, and you don't say whether +20K is a reasonable offer for the position or better than reasonable.

One strategy is to reply that you are very interested in the job but the salary does not meet your expectations.
Added additional detail in the OP.
by biscuit
Mon Apr 24, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 43
Views: 6290

New job and offer - recruiter sent a wrong $$

I am on the job market for a new job. One of the companies I'm interested came back with an offer. On the phone, the recruiter mentioned a number as a base salary and when he sent out the offer letter, he reduced it by $20K. When I called him to verify the change, he was adamant that he mentioned on...
by biscuit
Tue Mar 28, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 13
Views: 1341

Re: Disability Insurance

Kencufc wrote:I think individual policies are the way to go. Group policies will increase every year. Once your FI, just cancel it.
Thanks. Where and how can I shop for disability insurance?
by biscuit
Mon Mar 27, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 13
Views: 1341

Re: Disability Insurance

It depends on the employer-provided insurance: How good is it, and, importantly, are the policies portable (meaning can you keep them if you change employers)? The general rule is that you should have private coverage to supplement whatever group policy your employer offers, but you need to give us...
by biscuit
Mon Mar 27, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 13
Views: 1341

Disability Insurance

Both are a dual income family and it would be hard if one of us gets disabled. Thanks to BH, we are in the process of getting a life insurance. Reg disability insurance, my company offers disability insurance and both my employer and I will share the cost. Unfortunately, I missed the cut off date. s...
by biscuit
Mon Mar 27, 2017 8:14 am
Forum: Personal Consumer Issues
Topic: How to make my old MacBook to work?
Replies: 20
Views: 2101

Re: How to make my old MacBook to work?

Just came back and checked the thread. Thanks everyone for the feedback. We did try to make the MacBook work and I guess it's time to let go of that option.
by biscuit
Fri Mar 24, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: How to make my old MacBook to work?
Replies: 20
Views: 2101

How to make my old MacBook to work?

We have a 7 years old Apple MacBook that my spouse bought for their personal use. Spouse didn't use it much and it's been lying around without any one. Even without use, the laptop became slow to use. I'm a blogger and the personal laptop I use is about to die. Before I go and buy a new one, I'm won...
by biscuit
Thu Mar 02, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Laptop for blogging
Replies: 7
Views: 978

Laptop for blogging

I run a small blog and it's slowly getting traction. Since I cannot use my office laptop for commercial use, I'm looking to buy a laptop just for blogging. I have an old laptop at home that i've been using for blogging. But it's sloooooow and wasting my precious time. However, I don't want to put to...
by biscuit
Mon Feb 13, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance - major $$ difference between 2 agents
Replies: 6
Views: 1077

Re: Term Life Insurance - major $$ difference between 2 agents

Tell me a little about your health, family medical history, history of smoking (or not), weight, and driving record, and I'll tell you which agent was lying to you. Both of us are in good health and we invest in our health. One of the parents on each side have diabetes and my another parent has hig...
by biscuit
Thu Feb 09, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance - major $$ difference between 2 agents
Replies: 6
Views: 1077

Term Life Insurance - major $$ difference between 2 agents

We are shopping for term life insurance and I requested quotes through term4sale (recommended by BH here). Two different agents reached out to me. One quoted ~$450 per annum and another quotes ~$1100 per annum for the same coverage and for the same insurance company. Is that even possible? Am I miss...
by biscuit
Fri Jan 20, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 8363

Re: East Coast And Work/Life Balance

We moved quite a bit in the last 8 years and all within the southern states (last few years, mostly within Texas). Why do you guys move so much? Maybe a job that requires husband to move? My guess is that he may be on a H1B visa and the employer assigns him from project to project every few months ...
by biscuit
Fri Jan 20, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 8363

Re: East Coast And Work/Life Balance

Hmm, I think there are many folks on the East Coast who would say that getting home at 6 p.m. is not late at all! +1 on this! I've had many jobs where I'd be ecstatic to be home by 7PM every night! Still time to see the kids before bed-time! I think this all depends on industry/job-environment but ...
by biscuit
Fri Jan 20, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 8363

Re: East Coast And Work/Life Balance

Here are some additional information: Even back in Texas, it was not just an 8 hour work schedule. I had the flexibility to go and come back anytime depends on the meetings. I also caught up on work after my toddler went back to sleep. When I had more work, I left home around 6 AM and come back by 4...
by biscuit
Thu Jan 19, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: East Coast And Work/Life Balance
Replies: 68
Views: 8363

East Coast And Work/Life Balance

We recently moved from TX to NJ due to job. It was not an ideal move as the income didn't go up as much to cover the cost of living increase. However, we still had to move due to various other reasons. I'm currently on maternity leave and will be working remote for few months until I find a job. If ...
by biscuit
Thu Jan 19, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 33405

Re: How much is your cell phone bill?

Project Fi
Less than $50 for both of us including all the taxes.
by biscuit
Fri Dec 30, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Landlord Insurance - What To Look For?
Replies: 4
Views: 585

Landlord Insurance - What To Look For?

Accidental landlord here shopping for landlord insurance. Below are my questions: 1. What should I look for when shopping for landlord insurance? property damage, liability insurance are in my list of things to cover. 2. How much damage should the insurance cover? The current property value is $326K...
by biscuit
Fri Dec 30, 2016 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Principal Payment through Rewards Points
Replies: 2
Views: 618

Mortgage Principal Payment through Rewards Points

I came across something like you can pay your mortgage principal payment through credit card rewards points. I forgot the source and I'm not able to find how I can do that.

Is it true and anyone knows how?
by biscuit
Sun Dec 25, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Refinanced, Now Renting - HELP
Replies: 10
Views: 1391

Re: Refinanced, Now Renting - HELP

I became an accidental landlord in 2010. I did not notify the lender when I turned the home into a rental. You probably checked a box during the refinance saying it would be your primary home. It's not like you lied about that, since at the time that's what it was. As long as they get the money eac...
by biscuit
Sun Dec 25, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Refinanced, Now Renting - HELP
Replies: 10
Views: 1391

Refinanced, Now Renting - HELP

We refinanced our house 3 months ago. Few days after refinancing, my spouse got an offer and we had to move cross country. The house is in a good neighborhood and its value has been going up steadily. So we don't want to sell it right away. We hired a rental company to rent the house for now. My que...
by biscuit
Thu Dec 22, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparents who live in India want to contribute to grandkids 529 plans
Replies: 3
Views: 1687

Grandparents who live in India want to contribute to grandkids 529 plans

My parents live in India and so far every year they're investing some money on a savings plan (in India) for my toddler. We have 529 plan set up for our kid and we would like to know if there is any way my parents can contribute to his 529 plan directly from there.

TIA!
by biscuit
Mon Dec 19, 2016 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 11385

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

Thanks for the responses. Guess, I'm going to give it a try.

By the way, how do you typically find these kind of promotions? I never bothered to look at them before and now that I'm willing to try these, I'd like to know where I can find them.
by biscuit
Mon Dec 19, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 11385

Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

To start with, I have never had an account with Chase. Recently I received $500 bonus offer in mail for opening new checking/savings accounts. The promo is, I will get $300 after opening checking account + direct deposit. Additional $200 if I open savings account and maintain $15,000 in the account ...
by biscuit
Sun Dec 18, 2016 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is Personal Injury Protection Necessary?
Replies: 7
Views: 1857

Is Personal Injury Protection Necessary?

How important is it to have "personal injury protection" in car insurance when you already have a good health insurance from your employer?

TIA!