Search found 77 matches

by JHU ALmuni
Fri Aug 17, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 63
Views: 4708

Re: Savings rate per month???

around 80-85% I believe, 11,000 total household income per month max my 401k, wife's 403b and 457, tIRA for both, pay extra towards very small mortgage, and throw another $2500+ into taxable accounts each month. Of course we are 33 and 34 and planning on retiring in 2 years, so we are pushing hard ...
by JHU ALmuni
Fri Aug 17, 2018 3:12 am
Forum: Personal Consumer Issues
Topic: What to do in Seattle around Christmas?
Replies: 25
Views: 991

Re: What to do in Seattle around Christmas?

Stay dry from the rain.
by JHU ALmuni
Thu Aug 16, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a condo or invest the money saved?
Replies: 3
Views: 453

Re: Buy a condo or invest the money saved?

Hard to answer without knowing current income/savings/401k information etc.
by JHU ALmuni
Thu Aug 16, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Best (cheapest) way to book a flight well in advance
Replies: 15
Views: 1458

Re: Best (cheapest) way to book a flight well in advance

+1 for Google Flights.

Also check momondo.com, might find a good deal but usually same/a little cheaper than Google Flights.
by JHU ALmuni
Thu Aug 16, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 46
Views: 2625

Re: Quote from Electrician

Seems a little high but that's life. Even if they can do it in 4 hours they probably charge for 6 or 7 hours. Similar to mechanics, provide quotes based on 3 hours of labor then magically do the work in an hour because of their experience.
by JHU ALmuni
Mon Aug 13, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Internal Jobs and Informing Current Manager
Replies: 8
Views: 428

Re: Applying for Internal Jobs and Informing Current Manager

vineviz wrote:
Mon Aug 13, 2018 3:18 pm
Why are you applying for these jobs?
These positions are in different departments and will allow me to expand my knowledge/experience. That's the only reason.
by JHU ALmuni
Mon Aug 13, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Internal Jobs and Informing Current Manager
Replies: 8
Views: 428

Applying for Internal Jobs and Informing Current Manager

Hi Everyone, I work at a large organization and there are few internal positions (different departments) I'm interested in. Before I apply for any position, I would like to inform my current manager. He's very nice and supportive and I don't expect any issues but I'm worried that he might think I'm ...
by JHU ALmuni
Thu Aug 09, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help to evaluate Job Offer
Replies: 27
Views: 1825

Re: Help to evaluate Job Offer

A VP at major bank only makes $96K? Or is this part of the overinflated title game the banks play? Both, plus it depends on the location and the specialty. I'm in relatively low cost of living area. VP of Technology isn't the same as VP of Training Development (for example) or other non technical s...
by JHU ALmuni
Thu Aug 09, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help to evaluate Job Offer
Replies: 27
Views: 1825

Re: Help to evaluate Job Offer

Thank you everyone. Nice to hear others opinions, definitely not a good offer.
by JHU ALmuni
Thu Aug 09, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Help to evaluate Job Offer
Replies: 27
Views: 1825

Re: Help to evaluate Job Offer

Thank you all for the input. I agree this is not a very good offer. The main reason I'm considering it is because I'd like to grow my skill set...
by JHU ALmuni
Wed Aug 08, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Help to evaluate Job Offer
Replies: 27
Views: 1825

Re: Help to evaluate Job Offer

Please see answers below: Isn't the rule of thumb that it's not worth the move for less than 15-20% bump in salary (all other things being equal and assuming this is not a lower-salary-for-less-stress lifestyle choice)? That's true, but I'm more interested in the experience at this point but given t...
by JHU ALmuni
Wed Aug 08, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Help to evaluate Job Offer
Replies: 27
Views: 1825

Re: Help to evaluate Job Offer

mortfree wrote:
Wed Aug 08, 2018 8:26 am
I think your age is also a consideration.

if you are early in your career versus closer to retirement...
I'm 35 years old.
by JHU ALmuni
Wed Aug 08, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Help to evaluate Job Offer
Replies: 27
Views: 1825

Re: Help to evaluate Job Offer

Seems like a big downgrade. Exactly how I feel about it, but it will allow me to gain experience in an area I'm not exposed to now and after gaining that experience I expect my compensation to increase by ~25% when I make my next move. But giving this is a small bank, I'm not sure how other compani...
by JHU ALmuni
Wed Aug 08, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Help to evaluate Job Offer
Replies: 27
Views: 1825

Help to evaluate Job Offer

Current Employer: Large well known bank (Top 5) 96K Base Salary plus 10% Bonus 4 Weeks of Vacation Time VP Level Job Offer: Small Bank 100K Base Salary plus 10% Bonus 3 Weeks of Vacation Time AVP Level As far as 401K and health insurance plans, there are no big differences between the two companies....
by JHU ALmuni
Tue Aug 07, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Career Move: Large Bank to Small Bank, Yes or No?
Replies: 17
Views: 1602

Re: Career Move: Large Bank to Small Bank, Yes or No?

Glockenspiel wrote:
Tue Aug 07, 2018 3:25 pm
If it's Wells Fargo, I wouldn't hesitate to move to the smaller bank, out of ethics and principles.
Agree, but I'm not with Wells Fargo.
by JHU ALmuni
Tue Aug 07, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Career Move: Large Bank to Small Bank, Yes or No?
Replies: 17
Views: 1602

Re: Career Move: Large Bank to Small Bank, Yes or No?

Thank you all for the insight. If anyone else have have an insight, please feel free to share. Overall I don't think this will be a good move, but I'm open to any feedback.
by JHU ALmuni
Mon Aug 06, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Getting the stink out of synthetic shirts
Replies: 37
Views: 2491

Re: Getting the stink out of synthetic shirts

Had the exact same issue few days ago. I tried to use Tide Original in the washing machine and it worked like magic. Before that I was using another generic brand. Also tried the white vinegar and baking soda thing but really didn't make much of a difference. Try Tide Original powder if you haven't ...
by JHU ALmuni
Sat Aug 04, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 9794

Re: Few weeks into new job recieved significantly better offer elsewhere

I get people talking about "integrity". However, in this era, there is no job security (in general). Companies merge, layoff people and go under all the time. They make offers and then withdraw them. They can fire you at any time for any reason. It cannot be one sided IMO. Ultimately, you have to d...
by JHU ALmuni
Sat Aug 04, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Career Move: Large Bank to Small Bank, Yes or No?
Replies: 17
Views: 1602

Career Move: Large Bank to Small Bank, Yes or No?

Hi everyone, I have a career choice that I need to make regarding a job offer and need Bogleheads wisdom especially those who work/worked at financial institutions. Currently I work at one of the top 5 largest banks in the U.S. (by assets). My role is related to Compliance and Risk Management. I lov...
by JHU ALmuni
Thu Aug 02, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Need suggestions on investing. $400k in cash
Replies: 9
Views: 1110

Re: Need suggestions on investing. $400k in cash

Cryptocurrency.

Prices are down now might be a good time. If you are lucky you will get wealthy, but of course you can lose it quickly as well. Very volatile!
by JHU ALmuni
Thu Aug 02, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3499

Re: New job commute

I'd definitely move in this case especially if my spouse stays and home and doesn't need to look for new jobs. I'd worry more about moving if the kids are older and maybe in high school. But with young kids, why are you concerned?
by JHU ALmuni
Mon Jul 30, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 11797

Re: Joint Ownership of home with second wife

OP,

From my personal experience, RUN as fast as you can and DON'T look back. Your kids might suffer from this marriage more than you can imagine.
by JHU ALmuni
Thu Jul 26, 2018 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Need more excitement
Replies: 48
Views: 4418

Re: Need more excitement

Buy Bitcoin and some other top alt coins. Very volatile and will definitely add some excitement to your life from my experience :shock:
by JHU ALmuni
Wed Jul 25, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Where to buy essential oils in bulk - peppermint oil specifically
Replies: 6
Views: 832

Re: Where to buy essential oils in bulk - peppermint oil specifically

Check Whole Food if you have one in your area. They carry variety of essential oils and different brands.
by JHU ALmuni
Wed Jul 18, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 5605

Re: Which minivan?

First kid? No reason to jump to a $35k to $40k minivan with one kid. First off, you won't go very far with an infant. Two, one kid and the related stuff fits in any car. Set a goal and start saving, but a big, new 7-8 passenger mini-van might be overkill with a first kid. Most discussions happen wh...
by JHU ALmuni
Mon Jul 16, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2910

Re: Would you pay $120 for a 5 year dishwasher warranty?

Definitely not, home appliances usually last 10+ years with no issues.
by JHU ALmuni
Thu Jul 05, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1802

Re: Pay off my car or trade in on new?

I like option 3. For $25K you can get a brand new Toyota or Honda and still have 9 or 10K extra.
by JHU ALmuni
Wed Jul 04, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 8194

Re: Tipping at non sit down places

Don't tip
by JHU ALmuni
Wed Jul 04, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Anxiety Spending Money
Replies: 52
Views: 5397

Re: Anxiety Spending Money

You are still young and seems ambitious. Instead of trying to save few bucks and do odd jobs, invest in YOURSELF. Get a master degree in MBA, economic, or whatever you feel will benefit your career the most. Your employer may even pay for part of it. Look for online degrees for added flexibility... ...
by JHU ALmuni
Fri Jun 22, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: What do you include in your grocery budget?
Replies: 36
Views: 1784

Re: What do you include in your grocery budget?

jehovasfitness wrote:
Fri Jun 22, 2018 9:17 am

condoms could go into "cheaper than kids" category I guess.
Hahaha... Tell me about it!!
by JHU ALmuni
Wed Jun 20, 2018 5:14 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8624

Re: gray hair

If you decide to dye it, consider finding a place that uses redken color camo products. Looks very natural from my experience.
by JHU ALmuni
Sat Jun 16, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5530

Re: What are your hobbies?

In no particular order: Naps :D Bogleheads forum Studying investment finance and keeping up on the R/E market. Photography (professional) Naps :D Guitar, ukulele, music ATV exploring, marksmanship, prospecting Fixing up our mini-ranch and home, building. Naps :D Corresponding Globally with paper an...
by JHU ALmuni
Fri Jun 08, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Tipping HVAC installers?
Replies: 22
Views: 2059

Re: Tipping HVAC installers?

I tried a search and there seemed to be conflicting opinions from what I saw. I'm having a new HVAC system installed today. It's pretty miserably hot in the area where they are having to add some duct work, if that makes a difference. I had chicken biscuits for the workers for breakfast (it's a sou...
by JHU ALmuni
Tue Jun 05, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Why am a getting a Lyft ad whenever I use Google Maps?
Replies: 14
Views: 988

Re: Why am a getting a Lyft ad whenever I use Google Maps?

This is most irritating. When I try to navigate using Google Maps, a Lyft ad comes up at the bottom of the screen which seems to completely block the buttons to start navigation. So I just sit there unable to begin navigation. What in the devil is going on? If I can't figure that out, I'll just sto...
by JHU ALmuni
Mon Jun 04, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on changing job to lower title for the experience?
Replies: 22
Views: 872

Re: Thoughts on changing job to lower title for the experience?

Since your present job is at a bank, and the job you are considering is also at a bank, is it possible for you to get the kind of experience you want at your present employer? If so, you might get to keep the title and get the experience. In my experience (not banking) my employer valued employees ...
by JHU ALmuni
Mon Jun 04, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on changing job to lower title for the experience?
Replies: 22
Views: 872

Re: Thoughts on changing job to lower title for the experience?

In talking with people who work at banks they sort of joked about the way banks use the job title "Vice President" or the variations of it and at some banks way too many people have Vice President in their job title. That's very true, seems like one third of the bank employees hold VP title. Right ...
by JHU ALmuni
Mon Jun 04, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on changing job to lower title for the experience?
Replies: 22
Views: 872

Re: Thoughts on changing job to lower title for the experience?

Since your present job is at a bank, and the job you are considering is also at a bank, is it possible for you to get the kind of experience you want at your present employer? If so, you might get to keep the title and get the experience. In my experience (not banking) my employer valued employees ...
by JHU ALmuni
Mon Jun 04, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on changing job to lower title for the experience?
Replies: 22
Views: 872

Re: Thoughts on changing job to lower title for the experience?

Currently I work in a bank as a Vice President. I love my job but it doesn't provide exposure to other areas I'm interested in. A recruiter reached out to me regarding an opportunity at another bank that will provide me with the opportunity to gain the experience I'm looking for. The thing is the n...
by JHU ALmuni
Mon Jun 04, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on changing job to lower title for the experience?
Replies: 22
Views: 872

Thoughts on changing job to lower title for the experience?

Currently I work in a bank as a Vice President. I love my job but it doesn't provide exposure to other areas I'm interested in. A recruiter reached out to me regarding an opportunity at another bank that will provide me with the opportunity to gain the experience I'm looking for. The thing is the ne...
by JHU ALmuni
Wed May 23, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Root canal/Crown for a tooth that was worked on 6 months ago.
Replies: 11
Views: 1254

Re: Root canal/Crown for a tooth that was worked on 6 months ago.

Thank you all for the feedback. Seems like it's better to check with another dentist before doing any work.
by JHU ALmuni
Wed May 23, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Root canal/Crown for a tooth that was worked on 6 months ago.
Replies: 11
Views: 1254

Root canal/Crown for a tooth that was worked on 6 months ago.

Hi everyone, I recently went for my routine 6 month checkup for my teeth at a new dental office and the dentist said one of my molars needs a root canal and a crown. The molar had a cavity in it and my original dentist work on it just 6 months ago. I went to new dentist this time because their locat...
by JHU ALmuni
Sun May 13, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying land in central FL
Replies: 55
Views: 5617

Re: Buying land in central FL

Run as fast as you can, don't even bother to think about it
by JHU ALmuni
Wed May 09, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 1814

Re: Another Vehicle Question

No way I would pay 80K for a Ford. That's a lot of money for a car. You should be able to get a decent car for 40K or less.
by JHU ALmuni
Mon May 07, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 6722

Re: When to buy new underwear?

I usually buy few once a year and throw away the ones that started to show signs of wear/uncomfortable. Same for socks. For some reason wearing underwear/socks in almost new condition makes me feel better.
by JHU ALmuni
Sun May 06, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 8832

Re: Bucket List Adventures/Activities

Visit Europe and South American countries. Land in one country and travel around by car/train to the remaining countries.
by JHU ALmuni
Sun May 06, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing 2 physician jobs
Replies: 69
Views: 6473

Re: Comparing 2 physician jobs

I will probably try option 1 for a year or so. The offer seems very competitive especially with the singing bonus. Your partner will be out of work during this time, but may be she can use this time to do what she really love, maybe do more travel, online degree/certification or even a small busines...
by JHU ALmuni
Thu May 03, 2018 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6748

Re: Pay $2500 in rent or continue living at home

This is a personal question and I’d love to know everyone’s thoughts. I recently got a new job where I’m making a steady income and a higher income. I’ve been living at home bc I simply couldn’t afford rent before and my aunt was sick so I was taking care of her But she’s better now and I like my f...
by JHU ALmuni
Sun Apr 29, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Career question
Replies: 8
Views: 1169

Re: Career question

A year and half ago I made the choice to leave my company of 10 years to work at a sought after company in the same industry. The main reason for the move was to expand my knowleage and work for a place that had broader opportunities. The problem is I find that the work is quite slow, and that is t...