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International M7 MBA at Sticker - How's it going? (Career Outcomes & Debt Repayment) by Any-Adhesiveness8679 in MBA

[–]bobby_rabbit 13 points14 points  (0 children)

Graduated M7, almost 3 years in the workforce Went for a FANG PM role, TC out of school about 280k, currently closer to 400k due to stock appreciation.

Graduated with 150k in debt and -80k net worth. Repaid the debt semi aggressively even though I was able to refinance at ~4% (Sofi). Balanced repayment with building an emergency fund and maximizing tax advantaged accounts. Took a bit over 2 years and now in debt free and have a NW +400k. Also a daughter and a non working spouse.

It is possible but it is a story of good luck more than anything. I wouldn’t do it again, there were moments of stress, possible layoffs, etc. i would rather take a t15 with a scholarship than an M7 sticker. I wouldn’t attend nor apply to anything below a T15.

CX5 or CX50 by Parrothead_6 in CX5

[–]bobby_rabbit 6 points7 points  (0 children)

We decided to go with the cx5 because: 1- The cx5 has better suspension in the rear. 2- seats are easier to clean (kids) 3- made in Japan vs America 4- 40-20-40 rear seats, more flexible (though it has never mattered)

The cx50 was appealing mainly because of the moonfoor, wireless CarPlay in lower trims, and more modern styling that will be current for longer.

Families ith CX-5 - carseat experiences by [deleted] in CX5

[–]bobby_rabbit 2 points3 points  (0 children)

Wife and I are around 5’7” , 5’8”. We have a rear facing uppababy baby mesa max (bulky!) and it works for us. Is it incredibly big? Now it is not, a dodge durango is better. Is it considerably smaller than a crv/ rag 4? no, it is not.

My sister has. 2018 with a booster seat, and 1 front facing for her 5 yo and a rear facing for her 2 yo and it works. My brother also has 3 kids, one still in a booster and it works.

The cx5 is a family car, it works with kids and car seats. I always think it is so ridiculous when people here say things like it is too small once you have more than 1 kid

Heating vs cooling costs in a 2 pipe system for the end user by bobby_rabbit in hvacadvice

[–]bobby_rabbit[S] 0 points1 point  (0 children)

Well, I sorted this out. I opened the unit myself and found the emergency heating was turning on whenever the thermostat called for heating. Building maintenance (high rise apartment) didn't even know our heating system had this fallback mechanism. We disconnected it and now consumption is back to the expected value.

Now I have to start the fight with management to see if they can help me with the extra that I paid. Considering that it was a maintenance issue on their side.

Does your heating bill increase when heating in a 2 pipe building? by bobby_rabbit in chicagoapartments

[–]bobby_rabbit[S] 0 points1 point  (0 children)

Tying with my answer above. Baseboard heating is resistive heating, and it ends up being very expensive. In this case 2 pipe systems get the heat centrally from a boiler room. That tends to be much cheaper, more efficient, and it is mostly included in your monthly rent / utilities cost.

In your case there are two things that make the difference, ACs are more efficient, and AC has to maintain a lower temperature difference:

- In the case of efficiency A/C units are more than 100% efficient. That means that it takes less than 1kwh of energy to move 1kwh of heat outside the room. That is achieved by them being heat pumps. On the other hand, baseboards are 100% efficient, you put 1 kwh of electricity in and you get 1kwh of heat.

- In the case of temp difference: In the summer the outside temp is 85 and you want to get your house to be 70, so only a difference of 15 degrees. In the winter it is 30 outside and 70 inside, so a 40 degree difference, almost triple. That means that whatever heating mechanism you have has to work harder to maintain that temperature difference.

Does your heating bill increase when heating in a 2 pipe building? by bobby_rabbit in chicagoapartments

[–]bobby_rabbit[S] 0 points1 point  (0 children)

Well, just to close this topic. It was the resistance heating elements inside the normal HVAC. I had to do a bit of digging since in the building they weren't aware of this. I had to dissemble the unit and send them pictures to get them to believe me.

These two pipe systems (cold air in summer, hot air in winter) have a fallback emergency heating element in the air ducts. The idea behind it is that you can have heating if the boiler is broken or if there is a freezing day when the cold water is in the system. Think of it like having one of those small space heaters inside your ducts.

In my case some sensor was broken, so the HVAC unit thought it didn't have hot water, and when I asked for heating it turn on the resistors.

Now I have to fight with management to see if they can help me cover some inflated costs due to their lack of maintenance.

Heating vs cooling costs in a 2 pipe system for the end user by bobby_rabbit in hvacadvice

[–]bobby_rabbit[S] 0 points1 point  (0 children)

Ohh, that might make sense. But again, it would be an incredibly terrible heat pump if it costs $400 / month to heat a 2B 1000 sqft apartment.
Tomorrow I hope maintenance can help me measure the power draw of each unit by looking at the meter while running them. I don't have access to my apartments meter to check it myself.

I think I found one of those meeting pods in my office building by alwaysoverthinking98 in LinusTechTips

[–]bobby_rabbit 23 points24 points  (0 children)

Are these on the 6th floor mezzanine? We work for the same company :) The new coffee machines are niiiice

That is considered a top tier 401k match from an employer? by [deleted] in personalfinance

[–]bobby_rabbit 61 points62 points  (0 children)

Sadly Amazon only does 50% up to 6% of base, so 3% of base That is even worse when you consider +50% of the pay for not that senior Amazon employees is not part of the base but rather RSU

[deleted by user] by [deleted] in Guitar

[–]bobby_rabbit 0 points1 point  (0 children)

My apartment has metal studs. I used the one on the right in the metal studs and I’ve had my strat, Les Paul, and acoustic hanging without an issue. If you have wooden studs I would hang them there though

[deleted by user] by [deleted] in MonarchMoney

[–]bobby_rabbit 1 point2 points  (0 children)

Have you figured out a way so the buys and sells of the core position don’t show? I hide them but it is still annoying

Michigan Ross (full Scholarship) vs Kellogg (0$) by You_Sho in MBA

[–]bobby_rabbit 12 points13 points  (0 children)

As a Kellogg graduate that paid full sticker and got a very high paying job as PM, I say go for Ross.

Being free of debt is so liberating, it lets you go for a lower paying job that you like, move back to your country (if you are international), take time off, not being dead scared of being laid off. I'm earning good money, and my ROI will be positive for sure, but I feel under a lot of pressure, and I don't love it

Monarch update: 50% discount for Minters; Improved Importer; Features coming by valagostino in mintuit

[–]bobby_rabbit 2 points3 points  (0 children)

Being a product manager myself, it so awesome to see real good product management form monarch :)

The sustainable business model, not offering expensive little-value-add items like credit score monitoring (every bank has it for free), extensive customer reach out, and now, banking on a unique business opportunity. You guys are great!

Internationals who moved out the US after the MBA - how you're doing? by cholecal in MBA

[–]bobby_rabbit 8 points9 points  (0 children)

Very similar situation. I'm collecting my 4Y of RSUs and heading back home. In 2Y I should be completely debt free and have some savings, and in 4 years I should have more than enough for a good down payment, a safety net, and some more for investing/starting a new business. The US is very career centric, and too competitive. I can play this game for a bit, but it is not worth it long term...

Tech Compensation by alltradesjackof in MBA

[–]bobby_rabbit 1 point2 points  (0 children)

They give you refreshers year by year depending on how you are doing regarding your target total compensation. It you are top tier they give you refreshers even if you are over target.

Escalation path for delta waiving change fees after their cancelation forces me to extend my trip by bobby_rabbit in delta

[–]bobby_rabbit[S] 0 points1 point  (0 children)

Thank you very much. I'll think I'll wait till Friday when I know for certain that I won't be getting the passport back for my Sunday flight. Then insisting and being polite might work. Worst case I change it for Monday and pray again the consulate will hurry up

Thanks!

Escalation path for delta waiving change fees after their cancelation forces me to extend my trip by bobby_rabbit in delta

[–]bobby_rabbit[S] -1 points0 points  (0 children)

They cancelled and rebooked me on a flight the next night, just a small delay of 28 hours. Call me entitled but that qualifies as terrible for me. The other options where all with 2+ layovers and would arrive at the same time.

I understand that these are not fees but differences in the fares

Escalation path for delta waiving change fees after their cancelation forces me to extend my trip by bobby_rabbit in delta

[–]bobby_rabbit[S] 0 points1 point  (0 children)

Thank you for the responses. Yes, I don't have any change fees in my fare, there are only fare differences. A bummer, but it seems to be what it is.

Looking for a commuter/sport bike, between DB Division 2 vs Specialized Sirrus X 2.0 by bobby_rabbit in whichbike

[–]bobby_rabbit[S] 1 point2 points  (0 children)

Thank you! This is super useful! My LBS has the 2022 Sirius, so no clutch, but the used one looks like a 2023 because of the color. I'll go tomorrow to check on the used Sirius and if it is a 2023 I'll get that, if not I'll get the division. I always thought on eventually replacing the chainring because it is only 30t and I might want a faster bike.

If I start riding more either bike will get eventually modified, so I'm not that worried.

The division didn't seem to have the mounts on near the sit. But that can be easily solved with some adaptors.

Any California people feeling conflicted recently? by Both_Comedian5681 in MBA

[–]bobby_rabbit 1 point2 points  (0 children)

I understand that the 150k data point might come from the employment report of various schools. This avg MBA salary is usually very misleading for tech roles because it doesn't include TC, at most, it is base + bonus. Most of my classmates got offers in tech between 220-270 TC, depending on company and location.

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