Search found 167 matches

by mayday23
Thu Sep 17, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer
Replies: 27
Views: 2136

Re: Job Offer

Grass isn't always greener. I'd pass on this lateral move, wait for my options to vest and cashout, then tell the next employer you have $40k in stock and you'd like them to make you whole.
by mayday23
Wed Aug 19, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: Farmed Atlantic salmon and toxic chemicals in fish feed
Replies: 62
Views: 4295

Re: Farmed Atlantic salmon and toxic chemicals in fish feed

We get a monthly delivery from Sitka salmon which is a COMMUNITY SUPPORTED FISHERY (CSF). Basically whatever they catch that month, they deliver to you. They support local fisherman and pay a fair wage to them. Fish is flash frozen on the boat, so fresh as can be and flash freezing kills parasites. ...
by mayday23
Tue Aug 18, 2020 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I become a Professional Gambler?
Replies: 84
Views: 8381

Re: Should I become a Professional Gambler?

Gambling as your only job gets a lot more difficult when you need to make your monthly nut for food, rent/mortgage, expenses, etc. The pressure from going from a hobby to full time is immense and cannot be discounted. Do I make this -EV call just because i'm down for the month and kids need school s...
by mayday23
Wed Jul 08, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?
Replies: 153
Views: 7893

Re: Thinking of buying myself a luxury item.. Is LV wallet a legit purchase?

A few years ago, you posted: I am stepping into my 30s at the end of this year. 30 is generally taken as a milestone age in a person's life. Most people in this forum have accomplished building a significant asset (I believe at least half here are millionaires). To become as financially successful ...
by mayday23
Mon Jul 06, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Lots of changes at work. How best to proceed?
Replies: 18
Views: 2663

Re: Lots of changes at work. How best to proceed?

You've had a variety of people at your current role tell you that you're not ready for the next step. External companies are not offering you the next step up. You need to figure out why and fix it. I'd have an honest conversation with my boss. "I understand i'm not being considered for a promotion....
by mayday23
Tue Jun 30, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: I am thinking about life insurance incorrectly?
Replies: 40
Views: 1989

Re: I am thinking about life insurance incorrectly?

One valuable thing my financial advisor told me is be careful if my wife dies if I will continue to make the same amount of money. If your spouse passes, are you going to keep the same job at $170K/year? Will you need to scale down to raise your kid(s) or will you depend on someone else to raise the...
by mayday23
Mon Jun 29, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: Best watch for $5,000+
Replies: 127
Views: 10505

Re: Best watch for $5,000+

I have a Rolex GMT 116710BLNR - aka batman. I don't think anyone's every said anything about it that wasn't a rolex wearer or a watch person.

Next on my list is the 'Blancpain Fifty Fathoms Bathyscaphe.' Great history - "Blancpain has never made a quartz watch and never will."
by mayday23
Mon Jun 15, 2020 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should you take a counteroffer from your employer?
Replies: 34
Views: 3554

Re: Should you take a counteroffer from your employer?

For anyone that thinks they are underpaid, TALK TO YOU MANAGER NOW. So much easier to express that you feel you are paid below fair value and ask for a raise/promotion. If nothing happens, then come back later with another offer and ready to resign. Easy to keep a good relationship with your manager...
by mayday23
Mon Jun 15, 2020 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Should you take a counteroffer from your employer?
Replies: 34
Views: 3554

Re: Should you take a counteroffer from your employer?

If you like your work and colleagues, STAY. I had a similar situation a few years ago at Megacorp was compensated below median for my grade. Manager explained that only option was to get a good competing offer. Got a competing offer, Manager got me a promotion and counter offer to exceed the compet...
by mayday23
Mon Apr 20, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: How to negotiate severance if laid off?
Replies: 75
Views: 6337

Re: How to negotiate severance if laid off?

my understanding is that employers typically won't negotiate severance since if they negotiate with one person,then that opens them up to discrimination from other severed employees.
by mayday23
Mon Mar 30, 2020 1:18 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24995

Re: Are you still going to the grocery store or using a delivery service? Which?

Why do you think they didn't close the trunk? They thought it was contaminated? I go for curbside pickup this Thursday for the very first time. Being I'm in the high risk category, I am very uptight about going. I suppose me getting out to close the truck if I have gloves on is safe, but I am one t...
by mayday23
Fri Mar 20, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: Tipping in the time of Coronavirus
Replies: 39
Views: 3285

Re: Tipping in the time of Coronavirus

I used to use Peapod grocery service before they went out of business. I wouldn't do a % (I didn't think 20% or $30 was correct on a $150 order), so i always just gave $10-$15.

Agree with the other poster who said if you don't have the cash or good sense to tip, then go pick it up.
by mayday23
Wed Mar 11, 2020 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Signed a new job contract - realized I could have get a higher salary
Replies: 74
Views: 7459

Re: Signed a new job contract - realized I could have get a higher salary

For me, as a hiring director, how willing I am to negotiate is totally dependent on the position. In my mid-size (~4,500 employee) company, there are very defined salary bands. If it is a entry level (just out of school) position, if you ask for more money I'm just going on to the next candidate. I...
by mayday23
Thu Jan 23, 2020 2:06 am
Forum: Personal Consumer Issues
Topic: Does it worth to switch to (top notch) auto insurance company?
Replies: 12
Views: 1507

Re: Does it worth to switch to (top notch) auto insurance company?

Gosh, no way.

How many times do you get into accidents? I've been driving 20 years and been in 2 accidents. That would be $18K I've "saved" by having insurance with poor customer service. I used to have geico but switched to all state as they were more competitive for me.
by mayday23
Thu Jan 23, 2020 2:03 am
Forum: Personal Consumer Issues
Topic: Spain in July with kids
Replies: 49
Views: 3629

Re: Spain in July with kids

Last July we did 5 days in barcelona and 4 days in Madrid. We ended up there due to cheap flights (flew into BCN and out of MAD). I have a 7 yr old and we all enjoyed barcelona more. There is obviously the beach and there were more things to do with Gaudi, Sagrada Familia and a better nightlife (in ...
by mayday23
Fri Dec 27, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer at FAANG for $350k - Declining Offer
Replies: 161
Views: 18995

Re: Job offer at FAANG for $350k - Declining Offer

As someone who manages a global team (I'm in Chicago), my meetings start Sunday afternoon (Monday morning Australia time) and end 6p Friday to account for my west coast colleagues. Not to suggest i'm working from 5p Sunday to 6p Friday, but a global team is a grind. You need motivation beyond money ...
by mayday23
Tue Dec 17, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 80754

Re: Fidelity Free Turbotax 2019

Financially, it's down in the noise, yes, but don't discount the value of the ego boost of getting for free something that others have to pay for. These little perks can have an emotional impact that outweighs the financial benefit, increasing customer loyalty. I always use it as a humble brag at c...
by mayday23
Mon Nov 25, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Spending money to make travel easier and luxurious?
Replies: 85
Views: 8678

Re: Spending money to make travel easier and luxurious?

personalized tours and we've started to book on eatwith. Basically very good chefs at a home or non restaurant. Great experience.

not sure the concerns with checking luggage. Not like waiting 20 mins for a bag and rolling it out of customs is a huge deal to me. Maybe to others.
by mayday23
Tue Nov 05, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 10670

Re: How much do you plan to spend on your children's weddings?

$20K to our kid. She can get married at the court and 'save' the $19,900 or have a $100K wedding and figure out how to pay the remaining $80K.
by mayday23
Fri Nov 01, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Timeshare offer experience
Replies: 103
Views: 11821

Re: Timeshare offer experience

I just tell them that I need to leave because I have a tee-time.Normally goes like this:

Me: "I need to leave in 30 mins, 15 mins, 5 mins" for a tee time
Person: "Why did you book a tee time?"
Me: "Because I was told this would last for 90 mins."
by mayday23
Wed Oct 30, 2019 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Cash Back Bonuses - Race to $10k
Replies: 28
Views: 5813

Re: Cash Back Bonuses - Race to $10k

junior wrote: Wed Oct 23, 2019 8:57 am
MotoTrojan wrote: Wed Oct 23, 2019 1:35 am
Amex Delta Gold ($470)

Doesn't this just pay in airline points? You can't fund an index fund with that.
you can sell airline points. Generally they go for about a penny a point.
by mayday23
Tue Oct 15, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6763

Re: Frustrated with dentist fees

I used to work for a dental insurance company. This is how it works: Dentists are in or out of network. In Network: They contract with the insurance (ie blue cross) to provide services at a specified cost. Ie – Dental Cleaning is $75 and that’s it They join the network so they get more customers/pat...
by mayday23
Wed Sep 25, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: wild caught sockeye salmon
Replies: 73
Views: 11279

Re: wild caught sockeye salmon

We use this company and are thrilled with them:

https://sitkasalmonshares.com/
by mayday23
Tue Sep 17, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Salary out of College
Replies: 38
Views: 2876

Re: Negotiating Salary out of College

I think your best bet is to secure another job offer (or more than one) if possible. This would give you both more information and possible leverage. +1. Without another offer, you have very little leverage. OP has a ton of leverage. The company was able to test drive him for a full summer and know...
by mayday23
Thu Sep 12, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Match - Missing out?
Replies: 2
Views: 493

401k Match - Missing out?

Hoping you guys can ease my mind. I max out my 401k contributions around July each year and want to ensure i'm not leaving company money on the table. I make around $200k with bonus. Company Benefits: Company Safe Harbor Match 100% match on 7% of salary (including bonus) Profit Sharing 5% of base sa...
by mayday23
Tue Sep 10, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: United Premium Plus vs ANA Premium Economy
Replies: 11
Views: 1328

Re: United Premium Plus vs ANA Premium Economy

I wasn't impressed with United Premium Plus on our flight home from Paris. Barely better than Economy Plus, not nearly as good as AA / Qantas PE. I haven't flown ANA, but i'd choose that.

Create an account on Flyertalk. It takes 2 mins to potentially make a 12+ hr flight better.
by mayday23
Fri Aug 30, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Max out 401K for 2019 at new Job?
Replies: 15
Views: 1778

Re: Max out 401K for 2019 at new Job?

Does your employer match? If so, i'd max out 2019. Even if they didn't, i'd still max out. $19K now is a tremendous amount when you retire.
by mayday23
Fri Aug 30, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Improving soft skills
Replies: 35
Views: 3606

Re: Improving soft skills

My biggest tips from reading books and applying: 1.) When you're talking to someone, listen. I used to talk to someone and be afraid that the conversation would end because I didn't have anything to say. As they were responding to my question, i was already thinking of what to ask next. Listen to th...
by mayday23
Thu Aug 08, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Negotiation Came to a Halt
Replies: 67
Views: 5792

Re: Real Estate Negotiation Came to a Halt

i've been on both sides of this. as a buyer we made a "low" offer and was rejected. We moved on and the house sold below our offer a year later. we were sellers and someone low balled us. We didn't counter because we felt it wasn't worth negotiating when we were so far apart. The only thing i'm conf...
by mayday23
Mon Jul 08, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or against?
Replies: 34
Views: 4118

Re: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or agai

I have ADT that will call the police if we don't respond to "clear the alarm." We are insured, but i am not insured against being pistol whipped while my wife is rapped. that's worth $30/month peace of mind for me.
by mayday23
Mon Jul 01, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Not receiving verification codes from banks
Replies: 7
Views: 763

Re: Not receiving verification codes from banks

happens with my credit union. Texts do not work, phone calls do. i don't worry about it and just use the phone call option.
by mayday23
Fri Jun 28, 2019 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Perspective on Company Layoffs
Replies: 27
Views: 2973

Re: Perspective on Company Layoffs

I would have an honest conversation with his boss and say that he heard other employees were offered "stay packages" and would one be offered to him? He can also mention he'd be open to talking about next severance round and if he's interested. Honestly, he doesn't have much to lose at this point. T...
by mayday23
Thu Jun 13, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Professional work titles
Replies: 30
Views: 3029

Re: Professional work titles

I agree with GT99. In my IT world, titles matter for the next job outside your current company. They are generally lead->Manager -> Sr Mgr -> Director -> Sr Director -> VP -> CIO For those that say titles don't matter, in my world, it gets you into the door for an interview. If HR or a Exec recruite...
by mayday23
Thu May 30, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: Splitting fence cost with neighbor
Replies: 53
Views: 6558

Re: Splitting fence cost with neighbor

I'd quote the document and say the initial estimate is $5K. Let him gnaw on that for a week or two, then you can propose other cheap options.

Unless you enjoy building the fence, i wouldn't give my time away as free. Then you run the risk if he doesn't like something, he comes to you to fix it.
by mayday23
Wed May 29, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 16406

Re: Can we afford to pay for our kid's college (at all)?

As far as kid goes, he is excited about going to college. OP - Most kids are very excited to leave home, have free room & board and not have to answer to anyone until grades are posted every semester/quarter. I would really think about community college to have him prove that he can accept the grea...
by mayday23
Tue May 21, 2019 6:55 pm
Forum: Personal Consumer Issues
Topic: Recently promoted - how to match image with title?
Replies: 54
Views: 5494

Re: Recently promoted - how to match image with title?

No expertise (or personal experience), but I think the OPs concerns are well founded. Just hope they don't ask her to serve the coffee! BUT - be prepared if they do! 8-) In observing some young women that seem to be in similar circumstances, what I notice is that some of them make their presence kn...
by mayday23
Fri May 17, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4597

Re: Reservations about job offer

I'm not as concerned about the job title as when i pay my mortgage each month, it's paid in $, not my job title. with that being said, i don't see anyway the existing employees will trust you. You will be coming in as a peer and an immediate threat to them. They know the mgr / lead position is open,...
by mayday23
Mon May 13, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: Bonvoy Boundless CC bonus points & linking to Bonvoy account?
Replies: 7
Views: 653

Re: Bonvoy Boundless CC bonus points & linking to Bonvoy account?

Is it a branded AMX Bonvoy Credit Card or just a generic AMX and you're trying to transfer pts from AMX to Bonvoy? If it's the former, it's automatic when the statement closes. If it's not happening, you need to call AMEX and make sure they have the right bonvoy number. It will also show your bonvoy...
by mayday23
Wed May 08, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: wedding gift value
Replies: 80
Views: 5315

Re: wedding gift value

If someone came to our wedding and the cost per plate were similar or less, i'd give exactly what they gave me. If that didn't occur, then I generally cover the cost of the plate - up to range made up in my head of what is reasonable based on my financial situation. It's pretty easy to gauge that a ...
by mayday23
Mon May 06, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 6725

Re: Anybody try the Blue Apron or the like?

I equate blue apron to business class meals on a flight. Better than economy (fast food),but not that great. I'm not sure I'd agree with that comparison. Blue Apron is fresh ingredients. You might prefer a different source of meat but the produce and spices would be similar to what you'd get from y...
by mayday23
Mon May 06, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 87
Views: 13850

Re: Rolex

I see posts like this from time to time. I have a question if some of those more knowledgeable wouldn’t mind. I have a quite fancy gold Rolex I inherited - absolutely fancier than my style but I feel I should keep and if I don’t wear, pass on. Believe my father got it used with no documentation man...
by mayday23
Mon May 06, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 6725

Re: Anybody try the Blue Apron or the like?

I equate blue apron to business class meals on a flight. Better than economy (fast food),but not that great.
by mayday23
Thu May 02, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Applying for an open position (with a twist)
Replies: 12
Views: 1623

Re: Applying for an open position (with a twist)

I’d discuss with your current manger before doing 1 or 2. It’s going to get back to them anyways and will not reflect well which may be a concern if you don’t end up getting the new position. If you do get it this is your first chance to make a good impression with your potential new boss....make s...
by mayday23
Thu May 02, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Citi Double Cash 2.5% until Feb 2021 with Citi checking/savings account
Replies: 18
Views: 5230

Re: Citi Double Cash 2.5% until Feb 2021 with Citi checking/savings account

Citi doesn’t have a good reputation when it comes to paying the offered bonus, and making people jump through hoops. Check out the threads on “doctor of credit” web site, in relation to the checking and savings account bonuses. I have the card but didn’t get the offer; even if I did I would pass. T...
by mayday23
Wed May 01, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Citi Double Cash 2.5% until Feb 2021 with Citi checking/savings account
Replies: 18
Views: 5230

Re: Citi Double Cash 2.5% until Feb 2021 with Citi checking/savings account

Citi doesn’t have a good reputation when it comes to paying the offered bonus, and making people jump through hoops. Check out the threads on “doctor of credit” web site, in relation to the checking and savings account bonuses. I have the card but didn’t get the offer; even if I did I would pass. T...
by mayday23
Wed May 01, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Need Advice - Getting Laid off
Replies: 34
Views: 4981

Re: Need Advice - Getting Laid off

Thanks to everyone providing feedback! I really appreciate the perspective. My boss and his boss are actually on my side on this. So there wouldn't be any laughing out of their respective office. I am still employed and I could take the time now however it would prevent me from doing the important ...
by mayday23
Tue Apr 30, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Colleague salary comparison
Replies: 54
Views: 6692

Re: Colleague salary comparison

If you work in an environment where you can view your colleagues' salaries do you? And if so, do you do anything with that information? Absolutely ! To negotiate salary. Can't even begin to imagine why some on this thread would be ashamed of doing so, or anyway opposed to it. I wouldn't be ashamed ...
by mayday23
Mon Apr 15, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 7749

Re: After financial independence, do you play credit card bonus games?

https://www.doctorofcredit.com for me is the most painless way to discover new/current deals. Unlike many other blogs, it doesn’t have editors that personally benefit from referral offers, so they don’t hawk cards that may be at least as beneficial to them as to the applicants. https://millionmiles...
by mayday23
Mon Apr 15, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Is Brooks Brothers Shirts are in sale ?
Replies: 17
Views: 1923

Re: Is Brooks Brothers Shirts are in sale ?

1818 line is very solid. The 346 is much worse and what you will find in outlet stores.
by mayday23
Mon Apr 15, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 7749

Re: After financial independence, do you play credit card bonus games?

I do. During the heyday a few years ago, i was "earning" $15K/yr on credit card churn and mfg spend. AMX smartened up on the 5% grocery cash back and Chase only allows you 5 credit cards during a 2 yr period. That has cut down earning opportunities tremendously. With that being said, just signed up ...