Search found 103 matches

by JHU ALmuni
Mon Mar 25, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Two factor authentication loophole?
Replies: 32
Views: 3224

Re: Two factor authentication loophole?

Sometimes you need to go in the App settings on your phone and enable two factors authentication for the app.
by JHU ALmuni
Mon Mar 18, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase $700k home?
Replies: 101
Views: 6687

Re: Should we purchase $700k home?

You can afford to do it, but I won't personally do it.
by JHU ALmuni
Thu Mar 07, 2019 12:26 am
Forum: Personal Consumer Issues
Topic: First “financial” thing you do in the morning
Replies: 80
Views: 5340

Re: First “financial” thing you do in the morning

Check my Cryptocurrency portfolio... These things are very volatile and a lot can happen overnight :greedy
by JHU ALmuni
Mon Feb 18, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Need career advice to get into data science field
Replies: 10
Views: 833

Need career advice to get into data science field

Hello, I need an advice on the best way to get into data science field. Here is a little about my background: I have two masters degree in engineering the first one is from a state university and the 2nd one from one of the top 10 private schools My major is industrial engineering/project management...
by JHU ALmuni
Fri Jan 18, 2019 10:47 am
Forum: Personal Investments
Topic: Wire $50K Out of the Country
Replies: 15
Views: 1488

Wire $50K Out of the Country

Looking for a recommendation on the best way to wire $50K Out of the country. My bank offer wire transfers but their exchange rate is not the greatest and will end up losing close to $1K because of their exchange rate. I also just tried World First bank with $1K that was transfered last week and sti...
by JHU ALmuni
Tue Jan 15, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6731

A co-worker makes more than me

I realized that a co-worker makes ~10% ($9.5K) more than me. We work closely together and have the same responsibilities. In the next few days, I will be having a discussion with my manager regarding annual compensation/bonus. Is it appropriate to discuss this topic with my manager? and what's the b...
by JHU ALmuni
Sat Jan 05, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 408
Views: 42790

Re: What is/ was your career and would you recommend it now?

Anything related to data science, statistics, and machine learning is in strong demand now.
by JHU ALmuni
Thu Oct 11, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 6309

Re: Anyone done a Hair Transplant?

Worked for Elon Musk. Your milage may vary.
by JHU ALmuni
Tue Oct 02, 2018 10:46 am
Forum: Personal Investments
Topic: New Dual Physican Couple
Replies: 39
Views: 3558

Re: New Dual Physican Couple

Refinance and consolidate your student loans. You should be able to get a lower rate and save few thousands.
by JHU ALmuni
Sun Sep 30, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Data Visualization—skill or career?
Replies: 9
Views: 1139

Re: Data Visualization—skill or career?

These are some incredibly informative posts. Thank you so much. In my world of digital media and new media, it’s how the tools help me make creative decisions (or solve narrative/visual/design problems) that I’ve always enjoyed, and I don’t obsess much about the tools themselves like some of my col...
by JHU ALmuni
Thu Sep 27, 2018 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 7066

Re: New Relationship - Best way to handle finances?

Yes. My daughter is 7 and her son is 9. There should at least be a discussion of how the kids are treated, financially speaking. Do you consult each other before getting your own kid an expensive item, like an iPad? Much easier to discuss up front than after you come home and your daughter says "He...
by JHU ALmuni
Thu Sep 27, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 7066

Re: New Relationship - Best way to handle finances?

It sounds like you each have a kid? Are they the same age? Yes. My daughter is 7 and her son is 9. There should at least be a discussion of how the kids are treated, financially speaking. Do you consult each other before getting your own kid an expensive item, like an iPad? Much easier to discuss u...
by JHU ALmuni
Thu Sep 27, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 7066

Re: New Relationship - Best way to handle finances?

sailaway wrote:
Thu Sep 27, 2018 4:14 pm
It sounds like you each have a kid? Are they the same age?
Yes. My daughter is 7 and her son is 9.
by JHU ALmuni
Thu Sep 27, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 7066

Re: New Relationship - Best way to handle finances?

deltaneutral83 wrote:
Thu Sep 27, 2018 3:59 pm
For someone at your stage both parties shouldn't "expect" anything without talking. If she actually knows what you make and still "expects" you to pick up tabs for her and her kid well...
Just to add: We talked about salaries and she knows what I make :D
by JHU ALmuni
Thu Sep 27, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 7066

New Relationship - Best way to handle finances?

My girlfriend partially moved in with me recently. She still has her place but her contract will be up in two months. We have two children from previous relationships. We go out eating few times a week and the bill is usually just under a hundred for the 4 of us. Plus sometimes if we at the mall and...
by JHU ALmuni
Wed Sep 19, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 26332

Re: What is your single most expensive mistake?

1. Not selling my Cryptocurrencyies last year after making 400%+ return in few weeks.

2. Getting married to the wrong person.
by JHU ALmuni
Mon Sep 17, 2018 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10827

Re: Massive Student Loan Debt - Fiancee

t885 wrote:
Thu Sep 13, 2018 10:46 am
Don't do it.

She might change in the short term to make you happy but after the "honeymoon" phase is over she will revert back to the mean

Cut bait and move on.
+1
by JHU ALmuni
Mon Sep 10, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 9053

Re: Can Sneakers go with Business Casual?

Hi, 1. Would sneakers be accepted to go with business casual in office environment (to meet clients/customers, etc)? Or would it be faux pas? edit: 2. From the discussion below it sounds like sneakers can be divided in two broad categories: Running shoe. Chuck taylor or vans type shoe. Some people ...
by JHU ALmuni
Thu Sep 06, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: How much to spend on rent in high COL area?
Replies: 15
Views: 1661

Re: How much to spend on rent in high COL area?

Spend as low as you can. Find the cheapest unit that meets your requirements. Other than that, nothing can be done unless you relocate or increase your commute time.
by JHU ALmuni
Sun Sep 02, 2018 8:57 pm
Forum: Personal Investments
Topic: How's our family portfolio and am I crazy for considering a huge pay cut?
Replies: 16
Views: 1589

Re: How's our family portfolio and am I crazy for considering a huge pay cut?

One thing to keep in mind, having a lower paying job doesn't necessarily mean you will have a better work/life balance. Some people makes $200K+ a year and work 40 to 50 hours a week. If I was you I'd look for a position that would allow me to maintain current income (or even higher) and provide wor...
by JHU ALmuni
Sat Sep 01, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: keep rental condo?
Replies: 18
Views: 1390

Re: keep rental condo?

Doesn't seem like a bad investment. Basically the house is yours and someone else is paying the mortgage for you. Once that paid off, you will start to see more rental income.
by JHU ALmuni
Sat Sep 01, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule
Replies: 44
Views: 3997

Re: The twenty dollar rule

One thing for sure... She's a keeper!
by JHU ALmuni
Sat Sep 01, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7401

Re: Daily Driver (Car) Over 100K Miles?

I drive a 2004 Mercedes Benz C230 with just under 110K miles. No major issues and hoping to keep it for at least few more years.
by JHU ALmuni
Wed Aug 29, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Body language coach?
Replies: 26
Views: 2996

Re: Body language coach?

Just following the thread. Interested in hearing more answers :)
by JHU ALmuni
Thu Aug 23, 2018 12:19 pm
Forum: Forum Issues and Administration
Topic: Rating system for posts/posters ?
Replies: 60
Views: 3044

Re: Rating system for posts/posters ?

What I think will be useful for this forum is having to ability to rate answers and highest rated answer will move to the top of the page. This way if you find old question that is applicable to you, you can read/find best answers relatively quick without having to read all answers/multiple pages.
by JHU ALmuni
Thu Aug 23, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: If you buy a classic car in Europe and aim to keep to drive it daily for 50 years
Replies: 26
Views: 1902

Re: If you buy a classic car in Europe and aim to keep to drive it daily for 50 years

strafe wrote:
Thu Aug 23, 2018 5:33 am
I’m curious why you’re curious.
I'm curious why you're curious why he/she is curious.
by JHU ALmuni
Fri Aug 17, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 68
Views: 6302

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: 29
Views: 1571

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: 549

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: 1757

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: 48
Views: 3586

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: 504

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: 504

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: 2030

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: 2030

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: 2030

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: 2030

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: 2030

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: 2030

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: 2030

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: 1759

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: 1759

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: 2738

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: 10610

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: 1759

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: Personal Investments
Topic: Need suggestions on investing. $400k in cash
Replies: 9
Views: 1201

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: 3926

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: 201
Views: 15011

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.