Search found 275 matches
- Tue Jul 25, 2017 8:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: Pension lump sum offer (28yo)
- Replies: 7
- Views: 1519
Re: Pension lump sum offer (28yo)
Roll it over into your 401k.
- Tue Jul 25, 2017 11:13 am
- Forum: Personal Finance (Not Investing)
- Topic: Order of Operations (Retirement, Loans, Emergency Fund)
- Replies: 25
- Views: 2958
Re: Order of Operations (Retirement, Loans, Emergency Fund)
Work on increasing the emergency fund. Ideally you want this to be 60+ months.
- Tue Jul 25, 2017 10:38 am
- Forum: Personal Finance (Not Investing)
- Topic: Another bay area housing thread..
- Replies: 143
- Views: 21221
Re: Another bay area housing thread..
Highly recommend the Mississippi or Alabama Bay Area.
- Mon Jul 10, 2017 10:34 am
- Forum: Personal Finance (Not Investing)
- Topic: Possible Job Relocating - Sell or Rent Current House
- Replies: 3
- Views: 557
Re: Possible Job Relocating - Sell or Rent Current House
Sell it. No need to deal with the stress and financial losses associated with rental properties.
- Mon Jul 10, 2017 10:29 am
- Forum: Personal Finance (Not Investing)
- Topic: Switch to federal job?
- Replies: 80
- Views: 12788
Re: Switch to federal job?
Same here - would switch to a government job in a second.Meaty wrote:The question is - how does a mid career professional get one? I've applied to a number of posting I was well qualified for an never heard backRoadHouseFan wrote:Take the government job. No stress, high pay, massive paid leave, etc. Government jobs are as good as it gets.
- Mon Jul 10, 2017 9:27 am
- Forum: Personal Finance (Not Investing)
- Topic: Switch to federal job?
- Replies: 80
- Views: 12788
Re: Switch to federal job?
Take the government job. No stress, high pay, massive paid leave, etc. Government jobs are as good as it gets.
- Fri Jul 07, 2017 9:39 am
- Forum: Personal Consumer Issues
- Topic: What do you splurge on?
- Replies: 133
- Views: 18045
Re: What do you splurge on?
Top tier cable packages
Lazy-boy leather furniture
Extremely powerful air conditioning
Bottled water
Chick-fil-A
Cracker Barrel
Vehicles with V8 engines
Lazy-boy leather furniture
Extremely powerful air conditioning
Bottled water
Chick-fil-A
Cracker Barrel
Vehicles with V8 engines
- Wed Jul 05, 2017 7:21 pm
- Forum: Personal Finance (Not Investing)
- Topic: Temporary Internal Promotion - Increased Compensation?
- Replies: 73
- Views: 7165
Re: Temporary Internal Promotion - Increased Compensation?
OP here. Quick update and some strange news. As mentioned previously, I stopped by HR last week to see if the company had a formal policy. They do not. Anyways, my Director got back from vacation and called me into her office today. She said HR called her and said I acted inappropriately in asking what the company policy was. After reading the posts over the past few days, I had decided to stand down and not broach the topic about compensation with my Director or VP. Well, that strategy went out the window with what HR did. So now the cat is out of the bag. Both my Director and I were surprised why HR thought it was inappropriate for me to ask what the company's policy was. Anyways, my Director said she is working on getting me increased c...
- Wed Jul 05, 2017 6:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: Seeking advice on 1.2m (now 900K) house purchase
- Replies: 192
- Views: 22718
Re: Seeking advice on 1.2m house purchase
That is a correct assessment of San Francisco Bay Area homeowners. They go into massive debt for dilapidated and depreciating houses. Mississippi and Alabama Bay Area homeowners, on the other hand, are in great financial shape while enjoying a much higher quality of life.lostdog wrote:So a lot of the silicon valley people have high networth but are house poor?
- Wed Jul 05, 2017 10:17 am
- Forum: Personal Finance (Not Investing)
- Topic: Seeking advice on 1.2m (now 900K) house purchase
- Replies: 192
- Views: 22718
Re: Seeking advice on 1.2m house purchase
The Alabama and Mississippi bay areas are great places to live.
- Sat Jun 24, 2017 1:59 pm
- Forum: Personal Consumer Issues
- Topic: Bay Area housing
- Replies: 69
- Views: 10257
Re: Bay Area housing
Highly recommend buying in the Alabama or Mississippi bay areas. Great places to live!
- Sun Jun 18, 2017 2:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Early retirement checkup for 38 year old
- Replies: 21
- Views: 4921
Re: Early retirement checkup for 38 year old
You're in great shape. That pension is tremendous. Thanks for your service!
- Fri Jun 16, 2017 10:43 am
- Forum: Investing - Theory, News & General
- Topic: Amazon Buys Whole Foods
- Replies: 103
- Views: 19003
Re: Amazon Buys Whole Foods
This is great news!
- Thu Jun 15, 2017 10:22 am
- Forum: Personal Finance (Not Investing)
- Topic: How many of you have rentals (i.e. you're a landlord)? Are they worth it?
- Replies: 74
- Views: 10571
Re: How many of you have rentals (i.e. you're a landlord)? Are they worth it?
It's not worth it for the average person. The advocates are using unrealistic Zestimates to falsely inflate their net worth while minimizing the headaches and pitfalls of landlord responsibilities.
- Thu Jun 15, 2017 9:40 am
- Forum: Personal Consumer Issues
- Topic: Have you canceled cable?
- Replies: 90
- Views: 12398
Re: Have you canceled cable?
We maintain cable for FoxNews.
- Thu Jun 15, 2017 9:38 am
- Forum: Personal Finance (Not Investing)
- Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
- Replies: 74
- Views: 11614
Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Never hesitate to walk out of an interview when HR demonstrate incompetence and unethical conduct.
- Tue Jun 13, 2017 1:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
- Replies: 74
- Views: 11614
Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
You are not overreacting.tony5412 wrote:I don't work for the company.RoadHouseFan wrote:Document the incident and submit an ethics violation against the HR department. HR needs to be put in their place.
Perhaps I should withdraw my application and state that this is the reason why?
I'm not too keen on giving them more info (ie. application and background check consent) since they haven't shown me that they value the privacy of my personal data.
I am debating whether I should even bother to send the post interview thank you letters but perhaps I am overreacting.
- Tue Jun 13, 2017 10:49 am
- Forum: Personal Finance (Not Investing)
- Topic: KF's Worst Case Retirement Plan [KlangFool's]
- Replies: 313
- Views: 55048
Re: KF's Worst Case Retirement Plan [KlangFool's]
$1+ million makes you rich!
- Tue Jun 13, 2017 10:40 am
- Forum: Personal Finance (Not Investing)
- Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
- Replies: 74
- Views: 11614
Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Document the incident and submit an ethics violation against the HR department. HR needs to be put in their place.
- Mon May 29, 2017 3:42 pm
- Forum: Personal Consumer Issues
- Topic: High School Graduation Gifts
- Replies: 43
- Views: 7941
Re: High School Graduation Gifts
We give them Chick-fil-A gift cards. If we don't receive a thank you card within 2 weeks, then we block that family from all further communications.
- Sun May 28, 2017 6:05 pm
- Forum: Personal Consumer Issues
- Topic: Retiring in southern college town
- Replies: 78
- Views: 9625
Re: Retiring in southern college town
I'm going to throw a curve ball out there -- what about Auburn, Alabama? It's not coastal but you are maybe a 2 hour drive from the Panama City beaches. Dothan, AL is not really a college town but has a cool small town feel. You are maybe 1 hour from Panama City FL there. I spent quite a bit of time in Alabama last year and loved it. +1 for Auburn. It is a great place to live! :beer See below from Auburn University website: Auburn is the proud home of Auburn University and the Robert Trent Jones Golf Trail, one of the world's finest. It's the coolest college town in the South, according to us, and one of the top 10 cities in the U.S. for small businesses, according to Forbes. Centrally located near Atlanta, Birmingham, and Montgomery, Aubu...
- Sun May 28, 2017 5:06 pm
- Forum: Personal Consumer Issues
- Topic: Retiring in southern college town
- Replies: 78
- Views: 9625
Re: Retiring in southern college town
Can't go wrong by moving to southern states - patriotic people, family values and unbeatable food.
- Sat May 27, 2017 1:32 pm
- Forum: Personal Consumer Issues
- Topic: "sport short" workout/jogging shorts
- Replies: 5
- Views: 1421
- Thu May 25, 2017 12:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: When does Saving become missing out on life?
- Replies: 74
- Views: 12959
Re: When does Saving become missing out on life?
Something I've personally been struggling with lately, when does saving become obsessive? At 33, I find myself being obsessed with saving and cutting corners as much as I can (I don't even pay for Cable or Trash Service; only use netflix and convinced parents to let me use their trash service (they don't mind)). Granted, my salary is 63k and may pale in comparison to others, but I find myself turning down events with family/friends all the time because I'm focused on the dollar. I'm starting to realize that saving/investing for an easier life tomorrow isn't promised. I'd hate to work my whole life only to pass on everything I've worked for. Is there a certain percentage of income I should be using without guilt to enjoy myself today? I hav...
- Wed May 24, 2017 7:45 pm
- Forum: Personal Consumer Issues
- Topic: Cheap gym shirts w/ certain materials
- Replies: 26
- Views: 4922
- Sat May 20, 2017 1:02 pm
- Forum: Personal Consumer Issues
- Topic: What goes in your smoothie?
- Replies: 45
- Views: 5678
Re: What goes in your smoothie?
We'll try that next time.rebellovw wrote:RoadHouseFan wrote:Ice
Orange juice
Blue berries
Strawberries
Bananas
Cool whip
Cool whip? You should move onto something healthy like plain yogurt - cool whip is fake whip cream. Just my .02$ since a smoothy should be healthy and not a milk shake (though I make those too.)
- Sat May 20, 2017 12:12 pm
- Forum: Personal Consumer Issues
- Topic: What are the powers of HR in a company?
- Replies: 40
- Views: 5790
Re: What are the powers of HR in a company?
Correctsunny_socal wrote:My wife worked in HR for many years, here is the inside scoop:
1. They are not your friends
2. They are 100% agents of The Company.
Engage with HR only to the extent you must to get your work done, otherwise shut up. You have nothing to gain by opening up to HR. They are a necessary overhead to company operation and that's it.
- Sat May 20, 2017 12:09 pm
- Forum: Personal Consumer Issues
- Topic: Summer outdoor parties - party food ideas
- Replies: 20
- Views: 2820
Re: Summer outdoor parties - party food ideas
Chick-fil-A is always a big hit
- Sat May 20, 2017 12:07 pm
- Forum: Personal Consumer Issues
- Topic: What goes in your smoothie?
- Replies: 45
- Views: 5678
Re: What goes in your smoothie?
Ice
Orange juice
Blue berries
Strawberries
Bananas
Cool whip
Orange juice
Blue berries
Strawberries
Bananas
Cool whip
- Thu May 18, 2017 1:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: Question for you high net worth individuals... [real estate investments]
- Replies: 82
- Views: 16273
Re: Question for you high net worth individuals...
We do not include house in net worth calculations. It is an expense, not really an asset.
- Wed May 17, 2017 1:55 pm
- Forum: Personal Consumer Issues
- Topic: What are the powers of HR in a company?
- Replies: 40
- Views: 5790
Re: What are the powers of HR in a company?
Always remember that HR are not on your side. Never interact with them unless it is required. They are not your friend. +1 HR's primary purpose is to make sure the company doesn't get sued. Their secondary purpose is to fulfill their primary purpose. Then comes book & legwork of managing issues around potential employees and acting as the company conscience/communicating same toward soon to be ex-employees & remaining staff. Oh..and serving as the monthly/quarterly speakers to remind the staff that "we are a family.......", right up until they need to re-don their hat as the company conscience during periods where said family eats their young. At least that was my 30 year experience..I'm sure it's improved in the last yea...
- Wed May 17, 2017 10:45 am
- Forum: Personal Consumer Issues
- Topic: What are the powers of HR in a company?
- Replies: 40
- Views: 5790
Re: What are the powers of HR in a company?
Always remember that HR are not on your side. Never interact with them unless it is required. They are not your friend.
- Mon May 15, 2017 5:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: Renting a small apartment vs buying a bigger home
- Replies: 26
- Views: 3210
Re: Renting a small apartment vs buying a bigger home
If $800k doesn't get you a new, custom 5,000+ sq ft house with 4 car garage on 5+ acres, then you are getting ripped off.
- Fri May 12, 2017 4:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: Will I ever have enough for a condo/house in Cali?
- Replies: 42
- Views: 5051
Re: Will I ever have enough for a condo/house in Cali?
Wouldn't even consider buying property in California.
- Fri May 12, 2017 1:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Experiences/vacations - how much do people do
- Replies: 24
- Views: 3307
Re: Experiences/vacations - how much do people do
We avoid travel that cannot be accomplished via a reasonable drive (1 to 2 hours). Nothing worse than dealing with airport chaos: lines, security, filthy planes filled with undisciplined kids and people coughing and sneezing on you. We prefer staycations that allow us to enjoy our lazy-boy leather furniture, top tier cable packages and extremely powerful air conditioning. None of those amenities exist in international destinations.
- Wed May 10, 2017 8:10 pm
- Forum: Personal Consumer Issues
- Topic: What newspaper or magazine do you pay for?
- Replies: 107
- Views: 11529
Re: What newspaper or magazine do you pay for?
The Limbaugh Letter
- Mon May 08, 2017 6:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: Stay home with kids?
- Replies: 103
- Views: 12238
Re: Stay home with kids?
The correct answer.Tycoon wrote:The choice was easy for us. Parent or $7.25/hr stranger? Parent was the right choice.
- Mon May 08, 2017 12:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Buying second home in Georgia- tax implications
- Replies: 9
- Views: 4695
Re: Buying second home in Georgia- tax implications
Can't go wrong with Georgia or South Carolina. Both states offer high quality of life!
- Sun May 07, 2017 12:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: Most Common Financial Mistakes
- Replies: 108
- Views: 19324
Re: Most Common Financial Mistakes
The following (in no particular order) are mistakes to avoid:
Shopping at highbrow stores like Ethan Allen, Whole Foods, etc.
Daycares
Private schools
College funds
Purchasing nonfunctional fad vehicles such as Tesla
Swimming pools
International travel
Shopping at highbrow stores like Ethan Allen, Whole Foods, etc.
Daycares
Private schools
College funds
Purchasing nonfunctional fad vehicles such as Tesla
Swimming pools
International travel
- Sun May 07, 2017 12:35 pm
- Forum: Personal Finance (Not Investing)
- Topic: Can we afford a 800K house?
- Replies: 52
- Views: 8829
Re: Can we afford a 800K house?
Is the house 5000+ sq ft on a 2+ acre lot? If so, proceed.
- Fri May 05, 2017 12:18 pm
- Forum: Personal Finance (Not Investing)
- Topic: Fairness in College Savings
- Replies: 47
- Views: 4977
Re: Fairness in College Savings
Advise your kids to get scholarships and/or join the military. Consequently, no college funds are needed.
- Thu May 04, 2017 5:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: Convince me that I'm holding too much cash
- Replies: 62
- Views: 11378
Re: Convince me that I'm holding too much cash
You are not holding too much cash. Do not listen to those recommending buying stocks at record high prices. For non-cash assets, buy low and sell high. Otherwise, cash is king.
- Thu May 04, 2017 5:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: Unmarried couple purchasing a home?
- Replies: 72
- Views: 8054
Re: Unmarried couple purchasing a home?
Do not recommend buying property with someone you are not married to.
- Thu May 04, 2017 12:19 pm
- Forum: Personal Consumer Issues
- Topic: Where to Live on $60K or Less a Year?
- Replies: 248
- Views: 46243
Re: Where to Live on $60K or Less a Year?
High quality of life at reasonable costs exists in the following: Texas Mississippi Alabama Georgia South Carolina North Carolina Tennessee Kentucky Indiana North Dakota South Dakota Montana Wyoming With the exception of a couple of towns, I would say pretty much all of those places have piss poor quality of life.:) But my definition of quality of life isn't yours. Like going to theatre shows? NYC has a lot to offer and Wyoming doesn't. Want to go fishing and hunting? NYC isn't that great but Montana sure is. Want to smoke dope? CA, WA,OR, CO and AK might improve your quality of life. And so on. Everyone needs to figure out what is important to them and then find the place that maximizes those things and whose downsides they can live with....
- Thu May 04, 2017 12:05 pm
- Forum: Personal Consumer Issues
- Topic: Where to Live on $60K or Less a Year?
- Replies: 248
- Views: 46243
Re: Where to Live on $60K or Less a Year?
High quality of life at reasonable costs exists in the following: Texas Mississippi Alabama Georgia South Carolina North Carolina Tennessee Kentucky Indiana North Dakota South Dakota Montana Wyoming With the exception of a couple of towns, I would say pretty much all of those places have piss poor quality of life.:) But my definition of quality of life isn't yours. Like going to theatre shows? NYC has a lot to offer and Wyoming doesn't. Want to go fishing and hunting? NYC isn't that great but Montana sure is. Want to smoke dope? CA, WA,OR, CO and AK might improve your quality of life. And so on. Everyone needs to figure out what is important to them and then find the place that maximizes those things and whose downsides they can live with....
- Thu May 04, 2017 10:59 am
- Forum: Personal Finance (Not Investing)
- Topic: Mortgage Payment Question
- Replies: 6
- Views: 923
Re: Mortgage Payment Question
Don't recommend buying until one can comfortably make a >25% down payment.
- Thu May 04, 2017 10:56 am
- Forum: Personal Finance (Not Investing)
- Topic: Starting new job mid-career - What advice to learn from my past?
- Replies: 39
- Views: 3826
Re: Starting new job mid-career - What advice to learn from my past?
Always remember that HR and management are not on your side.
- Wed May 03, 2017 3:06 pm
- Forum: Personal Consumer Issues
- Topic: Where to Live on $60K or Less a Year?
- Replies: 248
- Views: 46243
Re: Where to Live on $60K or Less a Year?
High quality of life at reasonable costs exists in the following:
Texas
Mississippi
Alabama
Georgia
South Carolina
North Carolina
Tennessee
Kentucky
Indiana
North Dakota
South Dakota
Montana
Wyoming
Texas
Mississippi
Alabama
Georgia
South Carolina
North Carolina
Tennessee
Kentucky
Indiana
North Dakota
South Dakota
Montana
Wyoming
- Wed May 03, 2017 11:48 am
- Forum: Personal Finance (Not Investing)
- Topic: Rental property
- Replies: 8
- Views: 1609
Re: Rental property
Sell the rental property. They are mostly a headache that don't add value.
- Mon May 01, 2017 10:39 am
- Forum: Personal Consumer Issues
- Topic: buying dining table is hard
- Replies: 55
- Views: 6937
Re: buying dining table is hard
Big Lots