Search found 219 matches

by dubsem
Tue Nov 29, 2022 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Holiday Offer - $150 for $50 deposit
Replies: 408
Views: 58317

Re: Fidelity Holiday Offer - $150 for $50 deposit

anon_investor wrote: Sat Nov 26, 2022 11:47 am
TotalFool wrote: Fri Nov 25, 2022 8:41 pm it seems to work if you have not made use of the offer this year. I used the offer last year in november to get $100. I tried again in the morning and I got a email confirming i will receive $150 in 25 days. :sharebeer :sharebeer
I am in the same situation and also received the confirmation email.
Can any of you please share how long it took to receive this confirmation email that you're enrolled in the offer? I'm curious if/when it'll show up.
by dubsem
Wed Jun 08, 2022 7:44 pm
Forum: Personal Consumer Issues
Topic: Quick Visit to San Francisco Recommendations
Replies: 31
Views: 3085

Re: Quick Visit to San Francisco Recommendations

Parking at the Stockton Garage is okay during the day. Definitely don't street park if you have one single item in the car.

Walking around Union Square, Chinatown, North Beach, and the Ferry Building is a good time vacuum. You'll find so many good food, snack, and drink spots along the way.
by dubsem
Wed Jun 08, 2022 7:43 pm
Forum: Personal Consumer Issues
Topic: Quick Visit to San Francisco Recommendations
Replies: 31
Views: 3085

Re: Quick Visit to San Francisco Recommendations

Parking at the Stockton Garage is okay during the day. Definitely don't street park if you have one single item in the car.

Walking around Union Square, Chinatown, North Beach, and the Ferry Building is a good time vacuum. You'll find so many good food, snack, and drink spots along the way.
by dubsem
Tue May 10, 2022 11:11 am
Forum: Personal Consumer Issues
Topic: Remove sticker from glass
Replies: 56
Views: 5552

Re: Remove sticker from glass

Pigeye Brewster wrote: Sat Apr 09, 2022 7:37 pm WD 40 and a new, sharp chisel with which tor scrape.
FWIW, I also support WD-40 and a sharp scraper (e.g. razor blade)
by dubsem
Fri May 14, 2021 12:24 pm
Forum: Personal Consumer Issues
Topic: Best time to buy tires
Replies: 36
Views: 4108

Re: Best time to buy tires

midareff wrote: Fri May 14, 2021 8:30 am Prior to the start of rainy season. It's a safety issue, not price.
I agree that safety is more important than saving dollars.

Since I have many months before needing to replace my tires, I have the luxury to save dollars if I can anticipate a favorable time to buy.

Also, I'm opting for higher quality tires too, so I hope there's more incentives in my price range.
by dubsem
Thu May 13, 2021 6:26 pm
Forum: Personal Consumer Issues
Topic: Best time to buy tires
Replies: 36
Views: 4108

Re: Best time to buy tires

andypanda wrote: Thu May 13, 2021 6:15 pm Buy them on sale, they only discount them so much during the year. I've been buying Michelins from Discount Tire the past few years. The first time I went there I asked about Defenders for my 4Runner and the guy called Costco and matched the $75 off and 1 cent per wheel mounting and balancing.
Thanks! I never considered trying to price match tire retailers, but will keep this in mind.
by dubsem
Thu May 13, 2021 5:50 pm
Forum: Personal Consumer Issues
Topic: Best time to buy tires
Replies: 36
Views: 4108

Best time to buy tires

Please share your thoughts or anecdotes on the best month/event to buy a new set of tires.

I researched April and October are popular months for tire deals, but have also heard that Memorial Day weekend is good time to replace tires. I don't replace tires often, so curious if you observe any trends from your experiences.

I'm not so much interested in where to buy (Tire Rack vs. America's vs. Costco), but when to strike on replacing tires. I don't need to urgently change my tires, but should change my tires by the end of next year. Cheers.
by dubsem
Wed Feb 10, 2021 5:35 pm
Forum: Personal Consumer Issues
Topic: Breakfast cereal?
Replies: 172
Views: 21105

Re: Breakfast cereal?

MishkaWorries wrote: Wed Feb 10, 2021 1:40 pm I prefer Lucky Charms.
Lucky Charms at all times of the day.

I also mix in some regular Cheerios to make up for it.
by dubsem
Fri Jan 29, 2021 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 12862
Views: 1265753

Re: Refinance Mega Thread

BrandonBogle wrote: Fri Jan 29, 2021 4:26 pm
dubsem wrote: Fri Jan 29, 2021 4:17 pm LenderFI consultant told me that borrowers will never receive a check for refinancing.
That is indeed LenderFi’s company policy.
Thanks for pointing that out!
by dubsem
Fri Jan 29, 2021 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 12862
Views: 1265753

Re: Refinance Mega Thread

Hello again, refi newbie with one more request, please. I have Better and LenderFI competing against each other.

If lender credits are greater than the closing costs, then am I eligible to receive a check for the 'cash back to the borrower?' I opted to pay for any closing costs rather than lump into my new mortgage.

LenderFI consultant told me that borrowers will never receive a check for refinancing.
Better consultant told me that I would receive the net credit as a check.

Can anyone please confirm from their experience? I cannot be the only who has ever had lender credits greater than closing costs. Thanks!
by dubsem
Thu Jan 28, 2021 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 12862
Views: 1265753

Re: Refinance Mega Thread

I'm a refi newbie, and reviewed my 30-year fixed loan estimate with Better.

Can anyone please explain why the loan estimate contains 'other costs' prepaid property taxes and insurance if I opted out of escrow? Also, is six months of prepaids standard for Better's closing costs? After looking through Google searches and old Bogle threads, I've got nothing still.

Thanks in advance.
by dubsem
Fri Dec 11, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve retention offer - was worth the effort
Replies: 102
Views: 18775

Re: Chase Sapphire Reserve retention offer - was worth the effort

I had a 6-minute call on the U.S. line, and connected with an agent after 3 minutes of automated responses. The agent's system was unresponsive, so she transferred me to a colleague at the 5-minute mark. I waited one additional minute on hold before hanging up to call the international number.

I had a 2-minute call on the international line. No retention credits on my card (shucks)! I asked if new offers are added on the 1st of the month, and the agent said he cannot guarantee new offers are added.

Best of luck to everyone else.
by dubsem
Thu Aug 20, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 72
Views: 10447

Re: Comcast - lease modem/router or buy?

Easy: buy, always buy. Never rent from comcast because they'll claim you never returned it and call you for two years after you cut service from your college address.
by dubsem
Fri Aug 07, 2020 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth the House Upgrade
Replies: 39
Views: 3320

Re: Is it worth the House Upgrade

Mostly preference since money is no issue.

2,900 sqft :D must be nice
by dubsem
Mon Aug 03, 2020 12:12 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 165
Views: 11902

Re: What Car Maintenance Do You Do?

Youtube is amazing for directions on almost any car maintenance.
  • Oil change
    Transmission fluid change
    Air filters
    Cabin filters
    Rotate tires
    Coolant flush / refill
    Wash / wax
    Wipers
by dubsem
Mon May 11, 2020 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for Layoff: Communicate my status?
Replies: 22
Views: 2957

Re: Planning for Layoff: Communicate my status?

LiveSimple wrote: Mon May 11, 2020 9:38 pm Don’t think too much, let it take its course.
This is what I needed. Thank you.
by dubsem
Mon May 11, 2020 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for Layoff: Communicate my status?
Replies: 22
Views: 2957

Re: Planning for Layoff: Communicate my status?

KlangFool wrote: Mon May 11, 2020 9:24 pm OP,

1) Are you connected to those people via LinkedIn? If not, why not?

2) If you are connected, you could always contact those people at any time.

KlangFool
I am connected with them via LinkedIn, and also a great suggestion. Thanks!
by dubsem
Mon May 11, 2020 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for Layoff: Communicate my status?
Replies: 22
Views: 2957

Re: Planning for Layoff: Communicate my status?

fatFIRE wrote: Mon May 11, 2020 9:08 pm I have a question for the OP, why communicate your layoff status to your network? Why not simply say you are on the market for new career opportunities.
Thanks for your take -- I hadn't considered the perception, although if I contacted them through my personal email I'm sure they could piece it together.
by dubsem
Mon May 11, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for Layoff: Communicate my status?
Replies: 22
Views: 2957

Planning for Layoff: Communicate my status?

Hello All, For context, management announced today that they will discuss one-on-one with each person in my 90-person team tomorrow about their role in the new org structure. Everyone (including me) believes there will be headcount reduction. I've followed the recent layoff threads (wishing all of you the best out there whether you're impacted or not), and I'm wondering if I can/should notify some friends outside my current department if I'm laid off. These friends are all in a different department of my megacorp that I recently transitioned from, and they would not hear about layoffs in my new/current department. My goals are to inform and thank all of my old friends, and also start (or hint at) a conversation with one or two of them about...
by dubsem
Tue Sep 10, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Lexus or Camry?
Replies: 34
Views: 4160

Re: Lexus or Camry?

I see them as the same cars but at different points in their lives.

Since you own both, sell the camry and enjoy the lexus. It'd cost more to get back into the lexus than it would the camry.
by dubsem
Mon Sep 09, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Visit to Tokyo
Replies: 17
Views: 2486

Re: Visit to Tokyo

jacksonm wrote: Mon Sep 09, 2019 2:45 pm
barnaclebob wrote: Mon Sep 09, 2019 1:17 pm
jacksonm wrote: Mon Sep 09, 2019 1:01 pm Did the robot restaurant in Shinjuku one evening...
Shinjuku was like that when we were...
It was a Nigerian fellow ...
I had the same experience where a fellow was persistent that I check out his clothing store.

The solicitors mean no harm, but can be aggressive. Just firmly decline, and do not stop walking.

There's an abundance of sites and activities you can enjoy.
  • Mori Art Museum
    Tsukiji / Toyosu Fish Market
    Daibutsu
    Kirin Beer Garden
    Suntory Whiskey Distillery
    Yokohama (1/2 day trip)
by dubsem
Mon Jul 08, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Where to sit @ Fenway Park?
Replies: 11
Views: 1317

Re: Where to sit @ Fenway Park?

bluebolt wrote: Mon Jul 08, 2019 9:22 am Right around third base, lower deck, but under the overhang of the upper deck. That gives you a good view and shelter from the sun/rain.
I agree, except first or third base lines underneath the overhang. The tickets are still reasonably priced for their location.

One surprise to me was that the seats are pretty old and uncomfortable (hard), so be prepared for that.
by dubsem
Mon Feb 11, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Copenhagen/Stockholm/Oslo in May/June
Replies: 28
Views: 2821

Re: Copenhagen/Stockholm/Oslo in May/June

carol-brennan wrote: Mon Feb 11, 2019 5:57 am
anticrastinator wrote: Mon Feb 11, 2019 5:09 am Great cities, lots to see. Make sure you don’t make it about the little mermaid, as it is quite underwhelming and anticlimactic once you get there, your daughter might have high expectations and be disappointed.
Second this re mermaid. Boring.

I'd go to these places in the summer, but there's a lot to be said for going in off-season, too.
Mermaid is worth seeing since it means that much to your daughter. It is underwhelming though.
by dubsem
Thu Jan 31, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Best weather sites
Replies: 28
Views: 2924

Re: Best weather sites

mattyfu1 wrote: Thu Jan 31, 2019 7:25 am https://www.noaa.gov/
+1
by dubsem
Thu Jan 31, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 226
Views: 32887

Re: Please share some lifestyle creep you regret.

Clothes because there's often no return on the price of hype.
by dubsem
Sun Jan 20, 2019 4:09 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 81314

Re: John Bogle has died at age 89

My condolences to the Bogle family.

Rest in peace, Legend.
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: 2955

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't care when people 'complain' about their companies. YMMV.

I've turned this question into why I want to be at the new company. 'There's opportunities in this industry/company that motivate me... yada yada'
by dubsem
Fri May 04, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 46
Views: 7257

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. Autoslash lets you sign up for updates on costs. I have used them several times. Always much better than I could get direct. For Autoslash, I read the 'how it works,' and clicked through autoslash to get to priceline. I have one question on the priceline part: have you had a bad experience with any of your reservations? It seems like you get a car from one of the well-known companies except you don't know which one at the priceline reservation. The au...
by dubsem
Mon Apr 30, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 3618

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 Tues night sat in the last row)
    Stonehenge (my favorite part of the trip; did a half day tour (leave 8am, get back a little before 3pm)
    Tate Modern
    Tower of London
    London Bridge
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: 3740

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.

Based on what you think the lowest realistic price you can pay for the car is, ask if the dealer will consider your price. Never hurts to ask! Has always helped me in used car negotiations. I remember I offered a few hundred dollars lower than the dealer's "lowest" price, and the dealer acquiesced rather easily. At that moment I knew I should've offered lower but I was comfortable paying the final price.
by dubsem
Sun Feb 04, 2018 12:15 am
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 9289

Re: Substitute for taking a shower?

Theseus wrote: Sat Feb 03, 2018 4:07 pm
dubsem wrote: Fri Feb 02, 2018 5:07 pm 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 no brand recommendation since I feel they're mostly the same.
by dubsem
Fri Feb 02, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Substitute for taking a shower?
Replies: 64
Views: 9289

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: 11754

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 front door open and alarm ringing on their way out. IMO, alarm systems are okay deterrents, but a more effective deterrent is visible cameras that catch people's faces. This assists law enforcement or security. It's surprising how often I see burglars not wearing masks when people post pictures/video. I realize that if someone wants to get into your house, then they will. The best thing I can do is make it very difficult (i.e. lock windows and door...
by dubsem
Thu May 25, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Save mobile deposit checks?
Replies: 16
Views: 2789

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: 873

Re: Changing ISP

DSInvestor wrote: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 problems for 2 months.
by dubsem
Thu Feb 02, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: How to save money on a minivan?
Replies: 44
Views: 6585

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 12:36 pm
Forum: Personal Investments
Topic: What Percentage (%) of Your Net Worth Should You Invest?
Replies: 13
Views: 7626

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 for a Fortune 500 company in a HCOL area. Around 45% of my net worth is currently invested in the market, but I'm wondering if there's a rule of thumb or any insight out there regarding what percentage of net worth should be invested at this stage in life. So, if possible, can you please share your thoughts or personal experience about what percentage of your net worth you had/have invested in the market while in either your 20s, 30s, 40s, and u...
by dubsem
Thu Jan 05, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire ending its Reserve 100,000 bonus point offer
Replies: 40
Views: 11132

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 ... 9868,d.cGc
by dubsem
Tue Dec 20, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Flying with Norwegian
Replies: 24
Views: 3463

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, and then walked off the plane. I paid for what I wanted, and would do it again.

ARN TO AMS: Nothing noteworthy, was like a Southwest flight without food/drink.

CPN TO OAK: Great flight just like OAK TO ARN. However, only 50-60% full. Did not have a person sitting in the middle of my row, and so many people had rows to themselves that they slept across the seats.
by dubsem
Wed Oct 26, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 13188

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: 14245

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: 1837

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: 12204

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: 6220

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: 19106

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 hours/less on-demand.
4. Is the juice worth the squeeze?
by dubsem
Mon Aug 29, 2016 5:13 pm
Forum: Personal Consumer Issues
Topic: Fit bit
Replies: 35
Views: 4211

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: 1655

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: 11037
Views: 2066888

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: 1971

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/manager levels. When you want to leave your first job, your skills will be the most important in interviewing for new positions (and a referral doesn't hurt either). 2) Salary - you definitely want to be adequately compensated or come in at market level even if it's an entry level gig. Your first salary isn't as important as the skills/advancement opportunities. 3) Other things - commute, coworkers, work/life balance. I consider these less import...