Search found 273 matches

by Gronnie
Fri Aug 23, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: Be Wary of Citibank telephone automation
Replies: 7
Views: 1043

Re: Be Wary of Citibank telephone automation

Citi recently decided to just lose all my online info. I have been using same information for years, and all of a sudden it no longer works, reset no longer works, etc. Call in and they claim I have no cards registered for online use. Funny I am still getting emails about online statements, auto pay...
by Gronnie
Wed Aug 14, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5517

Re: "Negotiating" Salary

If this is anything but an entry level job (ie. for a recent college grad) than eventually you will need to give a number in my experience. The trick is to postpone it as long as possible. I don't think anyone but the hiring manager needs a number. I certainly would not give HR or a recruiter any n...
by Gronnie
Wed Aug 14, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5517

Re: "Negotiating" Salary

If this is anything but an entry level job (ie. for a recent college grad) than eventually you will need to give a number in my experience. The trick is to postpone it as long as possible. I don't think anyone but the hiring manager needs a number. I certainly would not give HR or a recruiter any n...
by Gronnie
Tue Aug 13, 2019 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5517

Re: "Negotiating" Salary

If this is anything but an entry level job (ie. for a recent college grad) than eventually you will need to give a number in my experience. The trick is to postpone it as long as possible. I don't think anyone but the hiring manager needs a number. I certainly would not give HR or a recruiter any n...
by Gronnie
Tue Aug 13, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: "Negotiating" Salary
Replies: 74
Views: 5517

Re: "Negotiating" Salary

If this is anything but an entry level job (ie. for a recent college grad) than eventually you will need to give a number in my experience. The trick is to postpone it as long as possible. I don't think anyone but the hiring manager needs a number. I certainly would not give HR or a recruiter any n...
by Gronnie
Mon Jun 17, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 6225

Re: Are you a member of nextdoor.com? Any concerns registering your info?

What exactly are you worried will happen even if the info was sold or hacked?
by Gronnie
Sat Apr 20, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2890

Re: Apple MacBook Air - what to do next.

My 2013 Macbook Air has 601 cycles and still has 81% battery health and I let it get very low or die quite frequently. It seems you got a dud for a battery.
by Gronnie
Fri Apr 19, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: RSUs and ESPP after 2-Week Notice
Replies: 21
Views: 1427

Re: RSUs and ESPP after 2-Week Notice

Not a chance in hell I'm even mentioning leaving until those shares vest.
by Gronnie
Wed Apr 17, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 114
Views: 13669

Re: Job Offer Evaluation - FANG

I recently moved from MN to CA for a tech job. I turned down FAANG offers and having to work a ton of hours and live in the Bay Area for a job in SoCal (Irvine) that pays about 75-80% as much and offers much better work/life balance. In the 7 months I've been here I haven't put in >40 hours a single...
by Gronnie
Tue Apr 09, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: $20k day care...how is it taxed?
Replies: 85
Views: 5569

Re: $20k day care...how is it taxed?

Wasn't one of President Trump's campaign promises to make the daycare deduction unlimited? Is that in the works?
by Gronnie
Sun Mar 24, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: Screening Buyers of Goods on Craigslist
Replies: 30
Views: 2935

Re: Screening Buyers of Goods on Craigslist

If you asked me for a link to social media or a work profile I would ghost you so fast. On what planet is that reasonable?
by Gronnie
Sun Feb 17, 2019 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Family member duped into life insurance -- any recourse?
Replies: 84
Views: 7653

Re: Family member duped into life insurance -- any recourse?

The problem is that their entire business model is literally to take advantage of people. Only partially true! Level premium term life insurance can provide a large check to provide for the young family when the breadwinner dies an early death. No other financial product can do this. And level prem...
by Gronnie
Sun Feb 17, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Family member duped into life insurance -- any recourse?
Replies: 84
Views: 7653

Re: Family member duped into life insurance -- any recourse?

Another thing worth trying is executive email carpet bombing. It really does work https://www.google.com/amp/s/www.nytimes.com/2017/05/05/your-money/the-best-consumer-self-advocacy-tool-youve-never-used.amp.html The key is to be firm but professional, concentrate on the aspects of the company's act...
by Gronnie
Fri Feb 08, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card issue. Pay in full or settle?
Replies: 24
Views: 2179

Re: Credit card issue. Pay in full or settle?

I used to be in the collections industry. I think you will be able to get a better deal than 40%. I would aim for 25% lump sum settlement.
by Gronnie
Sun Feb 03, 2019 4:57 pm
Forum: Personal Investments
Topic: John Hancock's 401K-Which index funds?
Replies: 1
Views: 160

Re: John Hancock's 401K-Which index funds?

https://www.bogleheads.org/wiki/Approxi ... ock_market

82% John Hancock 500 Index (JEINX)
11% John Hancock Mid Cap Index (JECIX)
7% John Hancock Small Cap Index (JESIX)
by Gronnie
Wed Jan 30, 2019 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Age discrimination in the medical professions as one gets older?
Replies: 40
Views: 3752

Re: Age discrimination in the medical professions as one gets older?

I discriminate against older doctors. I don't want to spend years getting to know a doctor, and having him get to know me, and then have him die or retire. I have had that happen several times already. Ralph I've had a dentist and a doctor retire at about 50 in the last couple of years. So you bett...
by Gronnie
Fri Jan 18, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Price-to-rent
Replies: 11
Views: 1143

Re: Price-to-rent

That rent is cheap. I would not rent that house to you for less than $3,500 per month. The problem is you can only rent a property out for as much as someone is willing to pay you in rent. As prices on homes go up, that number as a percent of the homes value gets much lower than 1% in most cases.
by Gronnie
Fri Jan 18, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Price-to-rent
Replies: 11
Views: 1143

Re: Price-to-rent

For comparison, I am spending 3550/mo in SoCal on a home valued ~$1.25 million, or a price to rent ratio of 28.7.

By that metric, the rent you are paying is high. By the 1% rule a lot of investors like to use, your rent is cheap.
by Gronnie
Fri Jan 18, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Importance of college summer internships??
Replies: 44
Views: 2001

Re: Importance of college summer internships??

I don't know about other industries, but in tech we use internships as an extended job interview. We pay them very, very well during their time with us and they do essentially the same job as the other engineers. A very high percentage (and pretty much 100% of the really good ones, regardless of whe...
by Gronnie
Mon Dec 24, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Finding a house for rent
Replies: 8
Views: 989

Re: Finding a house for rent

We just used an agent in SoCal, which I am pretty sure is the norm.
by Gronnie
Thu Dec 13, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Will new 5G technology allow us to jettison cable tv or phone co. and/or allow more competition to push down prices
Replies: 9
Views: 1321

Re: Will new 5G technology allow us to jettison cable tv or phone co. and/or allow more competition to push down prices

5G not only is faster, but also has many times the capacity of 4G. Once providers have recouped the initial costs by all the early adopters paying a premium, in theory, it should be much cheaper and data caps should be a thing of the past. Whether that comes to fruition is yet to be seen.
by Gronnie
Thu Nov 29, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 3010

Re: Remodeling - tipping?

I recently had a Radon Mitigation System put in at my house. The contractor sent me a thank you gift for choosing him, not the other way around.
by Gronnie
Wed Nov 07, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: College graduation gift amount
Replies: 25
Views: 1966

Re: College graduation gift amount

I received a big hug, and that was more than enough for me.
by Gronnie
Sun Nov 04, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Changing jobs
Replies: 4
Views: 719

Re: Changing jobs

Most likely if you are covered on the first day of the month, you will be covered for the whole month. You should be able to backdate Cobra if needed (I think up to 90 days?) No, you can't do a full contribution to your HSA. If you only have a HDHP 1/12th of the year you can only contribute that fra...
by Gronnie
Mon Jul 02, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Off Debt or Max Out 401k?
Replies: 18
Views: 2006

Re: Pay Off Debt or Max Out 401k?

I would pay off the CC debt before contributing to the 401k above a match. But relying on the ability to do a transfer once the 0% is done is a horrible plan and in my book is playing with fire. This. There is absolutely no guarantee you will be able to make another transfer at favorable terms at t...
by Gronnie
Fri May 11, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 49418

Re: Lucrative careers?

I started my CS degree around your age.
by Gronnie
Thu Mar 22, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 16582

Re: Working till retirement is not a great plan

I can't imagine spending much more than 1-1.5x income on a house. At 3.5x plus, doesn't that leave pretty much nothing to save for later?
by Gronnie
Mon Mar 19, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: 9th grade earth science honors or biology honors
Replies: 28
Views: 2591

Re: 9th grade earth science honors or biology honors

If there's even a remote chance you will get a C, the honors class probably isn't for you. Who learns more in life, the straight A student who was never challenged, or the C student that took a more challenging class. As humans we learn more when we fail at something and try again then when we succ...
by Gronnie
Mon Mar 19, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: 9th grade earth science honors or biology honors
Replies: 28
Views: 2591

Re: 9th grade earth science honors or biology honors

Both my children had taken some form of earth sciences in middle school, and then also took earth sciences in high school. They said it was a waste of their time, nothing new was learned. My senior is also fining out much to his dismay many colleges and scholarship applications are now asking for u...
by Gronnie
Mon Mar 19, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: 9th grade earth science honors or biology honors
Replies: 28
Views: 2591

Re: 9th grade earth science honors or biology honors

In the grand scheme of things it likely won't make one bit of difference.
by Gronnie
Wed Mar 14, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score dropped 30 points because I paid off my auto loan?
Replies: 49
Views: 11522

Re: Credit score dropped 30 points because I paid off my auto loan?

Ideally you want 3+ cards all with low utilization. Where did you see that claim of 3+ cards? I've never seen a scoring description where number of cards entered into it, so I'm not sure it's a factor at all, let alone a score booster to have 3+ cards. I've never had more than 2 cards ever in my li...
by Gronnie
Fri Feb 16, 2018 9:08 pm
Forum: Personal Investments
Topic: 403(b) RMDs while still working?
Replies: 16
Views: 1630

Re: 403(b) RMDs while still working?

Is he able to roll over the old one into the new one?
by Gronnie
Sat Feb 10, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 11216

Re: Tenants want to break lease early and is pregnant

When my wife and I were tenants we found a house and closed on it about 3 months before our lease was up. We moved out of the apartment and into the house, intending to pay the remaining three months of the lease in full and on time. I'd like to think that we had been excellent tenants the ~3 years ...
by Gronnie
Mon Jan 22, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: Backdoor Roth / step-transaction doctrine news: [Congress recognizes process]
Replies: 37
Views: 5487

Re: "Congress put its stamp of approval on [backdoor Roth]" - Forbes

So why don't they just explicitly remove the income restriction?
by Gronnie
Thu Dec 28, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Got myself an extra $200 today just by being observant
Replies: 25
Views: 5724

Re: Got myself an extra $200 today just by being observant

A lot of stealerships have a "no haggle best price" policy.
by Gronnie
Fri Oct 27, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Limit on carrying physical cash during domestic US flights
Replies: 35
Views: 8653

Re: Limit on carrying physical cash during domestic US flights

I've flown with >$50k in my backpack on poker trips to Las Vegas and LA many times. Never been questioned at all.

Can fit $50k split between the cargo pockets of my shorts without it even being noticeable as well, it really doesn't take up that much space.
by Gronnie
Wed Oct 18, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 3177

Re: Credit scores fell this month a lot for no reason

I'm officially at zero utilization because I charge typically less than $500 a month and have $170k in credit limits across 10 credit. It's been like this more or less for a decade, although occasionally I might have a monthly balance of $2000 that I pay off immediately. To answer other questions, ...
by Gronnie
Wed Oct 18, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 3177

Re: Credit scores fell this month a lot for no reason

That blog talks about not stopping when your score hits 760, then goes on to say that you will get the best rates always when >760....
by Gronnie
Wed Oct 18, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 3177

Re: Credit scores fell this month a lot for no reason

A few things:

1. 0% utilization is worse than a small amount of utilization for FICO scoring purposes
2. FICO uses "buckets" to determine scores, it's possible you moved into a different bucket
3. Anything over 760 doesn't matter anyway
by Gronnie
Sat Oct 14, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 5595

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

clip Bottom line, for now from this particular case, from two (of three) members of a NJ Appeals Court (the third judge dissented here): "“We conclude that a person sending text messages has a duty not to text someone who is driving if the texter knows, or has special reason to know, the recipient ...
by Gronnie
Sat Sep 16, 2017 9:28 pm
Forum: Investing - Theory, News & General
Topic: 401k's are for sheeple! According to some guy.
Replies: 19
Views: 3208

Re: 401k's are for sheeple! According to some guy.

Grant Cardone wrote: Bottom line is you give up control and when you do that you no longer are in control.
Stunning insight.
by Gronnie
Wed Sep 13, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella insurance
Replies: 57
Views: 7537

Re: Turned down for umbrella insurance

I was able to get a $1 million dollar policy through Cincinatti and that is about 5x my net worth! We then found out my wife's employer has a group policy through Cincinatti that is $3 million for negligibly more money than we were paying, so now we have that -- 15x our current net worth! I would sa...
by Gronnie
Sat Jul 22, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 4929

Re: Is there any reason not to? [4% Checking]

Making tons of small transactions on utilities and Amazon is basically scamming those companies. They have to pay not only a percent of the total, but also an interchange fee on each transaction. This will cause higher prices for everyone. Yes, they may allow it, but that doesn't make it right. The...
by Gronnie
Fri Jul 21, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is there any reason not to? [4% Checking]
Replies: 36
Views: 4929

Re: Is there any reason not to? [4% Checking]

Making tons of small transactions on utilities and Amazon is basically scamming those companies. They have to pay not only a percent of the total, but also an interchange fee on each transaction. This will cause higher prices for everyone. Yes, they may allow it, but that doesn't make it right.
by Gronnie
Fri Jul 21, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Investing, Saving, Debt reduction
Replies: 26
Views: 3077

Re: Advice Needed - Investing, Saving, Debt reduction

Definitely fund yourself first. Your child has lots of options for school... get loans, work, go to a cheaper school, delay school a bit, etc.

You can't get loans for retirement and you likely can't work forever.
by Gronnie
Fri Jul 21, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: 6K credit line too low.
Replies: 22
Views: 2857

Re: 6K credit line too low.

You need a minimum of three cards in order to get the best FICO score, so just keep them all. Ask the existing ones you are considering closing if there is a no hard pull credit line increase available. It has also been mentioned above that it is a terrible idea to have all your eggs in one basket,...
by Gronnie
Thu Jul 20, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: 6K credit line too low.
Replies: 22
Views: 2857

Re: 6K credit line too low.

You need a minimum of three cards in order to get the best FICO score, so just keep them all. Ask the existing ones you are considering closing if there is a no hard pull credit line increase available. It has also been mentioned above that it is a terrible idea to have all your eggs in one basket, ...
by Gronnie
Mon Jul 10, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 54
Views: 8330

Re: Do not buy new cellphones on ebay

Buy one of these if you want a good, cheap, brand new phone:

https://www.motorola.com/us/products/moto-e-gen-4

$129.99 and straight from the manufacturer (unlocked for use on any carrier)