Search found 193 matches

by dubsem
Thu Aug 09, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Why are you leaving your current job?"
Replies: 24
Views: 2462

Re: "Why are you leaving your current job?"

In one unsuccessful job interview, I made the mistake of answering this question with 'limited career opportunities.' Some interviewers may see this as lack of initiative or possibly not being liked in the company to be a priority at the company. Or, as I learned later from the interviewer, he doesn...
by dubsem
Fri May 04, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 46
Views: 5418

Re: Car rentals, what is the catch?

There was just recently a thread about car rentals. I use autoslash.com to find prices. You fill out a form with details, including all discounts you might bge eligible for. Soon you get an email with prices for most all chains. Pick what you want, click, and make a reservation via priceline. Autos...
by dubsem
Mon Apr 30, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 2327

Re: 3 days in London - must dos?

Shopping: Selfridges Fortnum & Mason Dover Street Market Supreme, Palace, Stone Island, BAPE Food: Dishoom Carnaby (great Indian food) St. John's Doughnuts Kappacasein @ Borough Market Zhengzong Lanzhou (delicious no frills noodle soups) Places/Events: Broadway (I saw Book of Mormon for $30; on a Tu...
by dubsem
Wed Apr 18, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: How do you know what price to negotiate when buying a used car?
Replies: 28
Views: 2189

Re: How do you know what price to negotiate when buying a used car?

Nice job starting with the KBB range. The dealers will have suggested prices for their cars, but their prices will include mark ups (i.e. mark-to-market adjustment, transportation fees, their service/labor fees, etc). Take your time and check out the car - see what you don't like about the car. Base...
by dubsem
Sun Feb 04, 2018 1:15 am
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 7877

Re: Substitute for taking a shower?

Dry shampoo is a possibility so you avoid washing your hair. How does it work? What happens to dirt and grime when you do the dry shampoo? Do you recommend any specific brand? The spray soaks up the grease and oil of your hair, solidifies into flakes, and then you comb/shake out the flakes. I have ...
by dubsem
Fri Feb 02, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 7877

Re: Substitute for taking a shower?

Dry shampoo is a possibility so you avoid washing your hair.
by dubsem
Tue Aug 15, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 9754

Re: How useful is a home security system?

From other community forums I frequently check, burglars often case neighborhoods to effectively steal before security shows up. My neighbor lives alone, works evenings, and has an ADT home security system. The neighbor's home was burglarized around 8PM via window smash, and the burglars left the fr...
by dubsem
Thu May 25, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Save mobile deposit checks?
Replies: 16
Views: 2467

Re: Save mobile deposit checks?

You can hold it after depositing for as long as you like but write VOID over it (multiple times if you like) to prevent your account from being debited and another account being credited.
by dubsem
Wed Apr 05, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Changing ISP
Replies: 6
Views: 748

Re: Changing ISP

Your modem is a DOCSIS 2.0 modem. Upgrade to a DOCSIS 3.0 modem. I use Arris SB6141 which Bestbuy sells for $59. I second the Arris SB6141 to support your ISP change requirements. Amazon usually sells Used - Like New devices ~$23. FWIW - I purchased an Arris SB6141 used from Amazon and have had no ...
by dubsem
Thu Feb 02, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: How to save money on a minivan?
Replies: 44
Views: 4550

Re: How to save money on a minivan?

Spend up for quality. I owed 2 Chrysler T&Cs. Fool me once shame on you, fool me twice shame on me. If/when I buy another minivan, it'll be a Honda or Toyota.
by dubsem
Wed Jan 25, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: What Percentage (%) of Your Net Worth Should You Invest?
Replies: 13
Views: 6121

What Percentage (%) of Your Net Worth Should You Invest?

For this topic, I searched through the forum (https://www.bogleheads.org/forum/viewtopic.php?t=108862) and didn't find any worthwhile guidance online. As a relatively young worker, I'm interested in what percentage of your total net worth was invested in your late twenties and early thirties. I work...
by dubsem
Thu Jan 05, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire ending its Reserve 100,000 bonus point offer
Replies: 40
Views: 7249

Re: Chase Sapphire ending its Reserve 100,000 bonus point offer

If you miss the January 11th online enrollment, then you can still apply at a physical Chase branch until March 12th. 1/4/2017 NYT Article https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=2&cad=rja&uact=8&ved=0ahUKEwjx2oihxqvRAhVO6GMKHWpeAQsQqUMIIDAB&url=http%3A%2F%2Fwww.nytimes.com%2F2...
by dubsem
Tue Dec 20, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Flying with Norwegian
Replies: 24
Views: 3009

Re: Flying with Norwegian

Flew Norwegian OAK to Stockholm (ARN), ARN to Amsterdam (AMS), and Copenhagen (CPN) to OAK. OAK TO ARN: Full flight, but flew on the modern 787 Dreamliner. I purchased the low fare ticket because I wanted to bring my own food/drink. I basically got on the flight, was left alone/ignored for 11 hours,...
by dubsem
Wed Oct 26, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 9854

Re: What podcasts do you listen to?

Jalen and Jacoby
by dubsem
Mon Oct 10, 2016 4:32 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2016
Replies: 90
Views: 10779

Re: Best Albums of 2016

Beyonce's Lemonade.
by dubsem
Tue Oct 04, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Min. length of record of income for mortgage?
Replies: 11
Views: 1478

Re: Min. length of record of income for mortgage?

Wells Fargo requested previous two W-2s, and minimum amounts in taxable/retirement accounts spanning over two prior years.
by dubsem
Thu Sep 29, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Spouse concerned about buying luxury SUV
Replies: 66
Views: 10690

Re: Spouse concerned about buying luxury SUV

The maintenance/upkeep of the models you listed aren't as expensive as European models. I'd go with the Lexus, given my bias and experience with the RX line.
by dubsem
Wed Sep 28, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 4653

Re: How closely do you check your credit card statements?

I check daily to ensure what should be there is there. I caught small dollar fraud once, and always follow up with credits/refunds to post.
by dubsem
Thu Sep 22, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Big 4 Partners - Salary/Risk Worth it?
Replies: 21
Views: 11510

Re: Big 4 Partners - Salary/Risk Worth it?

1. Decided the work/people weren't for me. Also, I didn't want to make sales/marketing of the firm my first priority. 2. Las Vegas partner told me incoming salary (in 2011) was $350K. As you would expect, salaries are much higher in larger markets. 3. Left for industry, comparable salary and fewer h...
by dubsem
Mon Aug 29, 2016 5:13 pm
Forum: Personal Consumer Issues
Topic: Fit bit
Replies: 35
Views: 3500

Re: Fit bit

Thesues wrote:If she has iPhone, then it's Health App thing automatically counts steps if you carry it around.
+1. Your mother might already be counting her steps with her smartphone.
by dubsem
Wed Aug 24, 2016 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Car purchase - Cash vs Finance
Replies: 8
Views: 1487

Car purchase - Cash vs Finance

DELETE
by dubsem
Mon Aug 15, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3890
Views: 1087207

Re: What Movie Have You Recently Watched?

  • The Fundamentals of Caring
    Dope
    Tallulah
Netflix has some entertaining gems. I recommend these for people who enjoy comedy-drama.
by dubsem
Thu Aug 11, 2016 6:26 pm
Forum: Personal Consumer Issues
Topic: Job Offer, What Should I Do
Replies: 11
Views: 1733

Re: Job Offer, What Should I Do

If you're able to land a better offer, then by all means renege and take the better offer. You will 'burn a bridge' but you'll be in a better position for yourself, which is ultimately more important. 1) Career advancement - probably most important is learning skills that you can transfer to senior/...
by dubsem
Fri Aug 05, 2016 12:50 am
Forum: Personal Finance (Not Investing)
Topic: New Job: Take Paycut by leaving Big 4?
Replies: 32
Views: 5768

Re: New Job: Take Paycut by leaving Big 4?

The security of Big 4 is a trade-off of promotion/pay in industry. While promotions aren't laid out in industry, you may luck into a role where there's plenty of upward mobility in a short amount of time. A bit confused on your statement. You're saying the security of Big 4 is a trade-off of promot...
by dubsem
Thu Aug 04, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: New Job: Take Paycut by leaving Big 4?
Replies: 32
Views: 5768

Re: New Job: Take Paycut by leaving Big 4?

The security of Big 4 is a trade-off of promotion/pay in industry. While promotions aren't laid out in industry, you may luck into a role where there's plenty of upward mobility in a short amount of time. It sounds like you're over the Big 4 (when you consider leaving the Big 4, it might be time to ...
by dubsem
Wed Jul 27, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: Interview in Silicon Valley - Suit?
Replies: 95
Views: 10855

Re: Interview in Silicon Valley - Suit?

With that answer from your recruiter, I'd suggest wearing what you'd feel most comfortable in be it a suit or business casual. If you're conservative, go with the suit.
by dubsem
Tue Jul 12, 2016 5:37 pm
Forum: Personal Consumer Issues
Topic: What to do around Vegas during Winter?
Replies: 21
Views: 2366

Re: What to do around Vegas during Winter?

If you like shopping, check out the outlet malls nearby the strip.
by dubsem
Thu Jul 07, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays savings account 1% APR
Replies: 25
Views: 3374

Re: Barclays savings account 1% APR

Check out Goldman Sachs Online Savings if you're starting out 1.05% (very negligible uptick).
by dubsem
Tue Jul 05, 2016 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 13737

Re: Money vs. Happiness

Non7WoodUser wrote:Mo money mo problems
trust your gut, and always put your happiness first. when all else fails, just remember mo money mo problems.
by dubsem
Thu Jun 23, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Recommendations?
Replies: 22
Views: 4745

Re: Credit Card Recommendations?

You can get a statement credit for the Citi Double Cash. You have to manually select that option though I believe (as in, no automatic redemption with available cash back at the end of the month). You also don't earn the second 1% on getting statement credit as you would if you paid off the balance...
by dubsem
Tue Jun 14, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I liquidate my taxable for hypothetical home purchase in next two years?
Replies: 10
Views: 835

Re: Should I liquidate my taxable for hypothetical home purchase in next two years?

Cash out and throw it into a 1% to solidify your time horizon - assuming $60K is what you'll need.
by dubsem
Thu Jun 09, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: Flat Fred Flintstone Feet? What sneakers, dress, shoes, etc do you buy?
Replies: 14
Views: 1535

Re: Flat Fred Flintstone Feet? What sneakers, dress, shoes, etc do you buy?

Pretty, pretty, pretty good issue you have here. I am on board with the others that orthotics will solve most of the issue. Go with walkers/runners as the soles and support will comfort your feet. Swoosh.
by dubsem
Thu Jun 02, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: 3-Day Weekend: Monday vs. Friday?
Replies: 47
Views: 5959

Re: 3-Day Weekend: Monday vs. Friday?

Monday to ease into the workweek. Friday, I'm just running out the clock like everyone else. Lifestyle of a salaried person.
by dubsem
Wed Jun 01, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: How did you educate your kids on finances
Replies: 32
Views: 3562

Re: How did you educate your kids on finances

In your case, especially with a 17yo just starting out, I wouldn't concern myself at all with investments. I would've loved exposure to investment vehicles once I had a part-time job in high school. Some brokerages (ie. Schwab) only require $100 initial opening balance to buy into mutual funds. Wou...
by dubsem
Wed Jun 01, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: spreadsheet macro to track/chart daily porfolio value
Replies: 10
Views: 1242

Re: spreadsheet macro to track/chart daily porfolio value

You're on the right track with the macro that can pull data from an internet source. Unfortunately, I don't know how to build it.
by dubsem
Thu May 26, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Zenni Optical
Replies: 39
Views: 8968

Re: Zenni Optical

What do your googles look like? I was contemplating getting some from Zenni but on the site, it looks like a google with a lens somehow held inside it. Is this really the case? Thanks. -Steph I purchased this model: http://www.zennioptical.com/prescription-sports-glasses-742823.html Full-rim frame,...
by dubsem
Wed May 25, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: Zenni Optical
Replies: 39
Views: 8968

Re: Zenni Optical

Zenni is great! I ordered sport goggles, and am very satisfied with the product. It's encouraged me to purchase new frames from Zenni when my prescription changes. The only caveat is that you must have your exact prescription and pupillary distance. Well worth the inexpensive option of prescription ...
by dubsem
Fri May 20, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: Trip to Portland, Oregon
Replies: 35
Views: 3894

Re: Trip to Portland, Oregon

  • Columbia Gorge
    Roosevelt School
    Nike Employee Store (if you know an employee)
    Downtown
    Tasty 'n Alder
    Nong's Khao Man Gai
    Saturday Market
    Compound Gallery
    Ground Kontrol
    Portland Trail Blazers.... oh wait
by dubsem
Thu May 12, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Career path and cost of living.
Replies: 63
Views: 8913

Re: Career path and cost of living.

You'll need $250K+ to live comfortably in the Bay Area (ie. single family home in decent area, raise children, a little disposable income) - if you have no ties to the Bay Area, then it might not be worth the grind.
by dubsem
Thu May 05, 2016 11:50 pm
Forum: Personal Consumer Issues
Topic: Considering buying my own modem
Replies: 43
Views: 4312

Re: Considering buying my own modem

I definitely recommend buying your own modem over the standard modem issued by the ISP. I went with the Motorola Surfboard (unsure which model number, but it's a few years old now). The speed, reliability, and my happiness are much better with my own modem.
by dubsem
Mon Apr 18, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 8328

Re: Passport photo DIY - anyone done it easily?

I took a photo against a white backdrop and scaled it using windows paint. Ended up with 4 passport photos on a 4x6 print.
by dubsem
Mon Apr 11, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: Free old BMW worth it?
Replies: 59
Views: 8975

Re: Free old BMW worth it?

Keep the BMW only if you'd be able to repair the BMW to working condition by yourself. Other than that, the BMW would be a money sinkhole.
by dubsem
Fri Apr 01, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 13508

Re: Chase Freedom Unlimited card 1.5% back + bonus

student wrote:I don't think this card has the 5% reward category. It has 1.5% straight. The freedom card is 1.0% straight but it has 5% reward category.
Agreed with student. If the unlimited did have the 5% rotating cash-back categories, then there'd be no need for the freedom card.
by dubsem
Thu Mar 31, 2016 5:28 pm
Forum: Personal Consumer Issues
Topic: Name one good, Name one bad thing YOU experienced [that saved money]
Replies: 37
Views: 3961

Re: Name one good, Name one bad thing YOU experienced

GOOD: Building a discipline to never buy at retail prices unless it's an emergency (ie. bad planning for last minute necessary expenses, lack of substitutes). I'm often on the look out for slick deals, and receive more joy when I purchase anything below retail price. This has helped me follow LBYM....
by dubsem
Thu Mar 31, 2016 5:09 pm
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 6743

Re: do you do airbnb ??

I have not had any problems with AirBnB. However, the cynic in me cautions you to protect yourself from any unusual circumstances (ie. cameras, leaving possessions in the open, cleanliness) just like any hotel.
by dubsem
Tue Mar 29, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Passing the CPA Exam 2016-17 edition
Replies: 23
Views: 5181

Re: Advice for Passing the CPA Exam 2016-17 edition

Timeline went: graduated college, studied during summer before starting full-time Big 4 in the fall, passed all 4 parts within 8 months. Luckily, Becker self-study materials were paid for, but I also purchased a Wiley CPA exam review book (consisted of nothing but past Q&A's and simulations). I didn...
by dubsem
Fri Mar 25, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: What passive things you do beside investing??
Replies: 44
Views: 5432

Re: What passive things you do beside investing??

  • Walk an extra 1/4 mile rather than pay $3 parking.
    Order a larger size to split for the lady and me.
    Never paying retail.