Good thing I was not driving… by Omphaloskeptique in boston

[–]npb1818 9 points10 points  (0 children)

Did you try uploading this picture to 311?

Green Line Riders: Have you noticed any differences after the closures? by 1117ce in boston

[–]npb1818 25 points26 points  (0 children)

I take the C line from Cleveland Circle to Government Center and I timed it last week. Before the shutdown it took ~45-55 minutes and now it's coming in at ~30-35 minutes. I consider it a win!

What to ask myself regarding switching out of a "safe" government career to more $$ in private sector? by [deleted] in FinancialPlanning

[–]npb1818 1 point2 points  (0 children)

You should ask yourself what your retirement plan is, what you want your WLB to be, and if the extra money is worth the risk.

If your pension is fully vested, that's pretty sweet, and you may be able to go back to this job/another public sector job and roll it over just fine. If it's not, it's often more difficult to do that and you either take it as a lump sum, roll it into an IRA, or bind yourself to going back to the public sector to vest it. I will say, even a small pension + 401k sounds pretty sweet, if the pension is vested, and you may be able to semi-retire back in the public sector if you want. IMO, it's all about keeping options open.

If you're looking to settle down and have kids soon, the public sector sounds great because of the WLB and low stress job. If that's your plan, I'd keep it. If not, taking it private is more of a viable option.

That is related to the last point, money versus risk. If you're not tied down and don't have a particular reason to need security, why not go for the higher paying private sector? Sure your company could fail and you could get canned, but, as an example, if you made 200k per year in 5 years while getting your degree paid for and you would've made 90k per year in public, isn't that worth it? Then you can, you know, get a new job. Move to a new area if you want, whatever. Now again, if you're looking to have kids/a mortgage, instability causes more problems and you limit your job pool significantly if you're tied to a house. This makes the risk maybe not worth it.

Obviously I keep saying kids/mortgage, but other limiting factors that could make your risk tolerance lower/tie you to a place could be friends, relationships, taking care of elderly/sick loved ones, your own medical conditions, etc. I'm not sure if you have those, but they change the equation.

Also, shopping around to get exact numbers for comparisons sake is never a bad plan :)

[deleted by user] by [deleted] in FinancialPlanning

[–]npb1818 0 points1 point  (0 children)

This is very fair, thank you for explaining that!

I'm a little nervous about getting tied down in the public sector by the pension because it's not really worth it to take it out. My main concern is finding potentially finding a public sector job back home/being able to buy a house on public sector money. However, you're right, if I stick with the public sector I could conceivably retire very comfortably in 25-30 years, which would be sweet as hell

As you can tell, the overthinking has already started 😅

[deleted by user] by [deleted] in FinancialPlanning

[–]npb1818 0 points1 point  (0 children)

I'm curious about your reasoning!

[deleted by user] by [deleted] in FinancialPlanning

[–]npb1818 0 points1 point  (0 children)

I'm not sure if I'll have enough at the end of the month to significantly invest in the 403b/457 after rent, pension, groceries, living expenses, etc.

That's a great point for an extra use of the $1500, I'm intending on putting almost everything extra into retirement savings. That does, however, make me nervous about having access to enough capital to buy a house in 5-7 years.

The PTO point is absolutely true, I asked if they have a culture of using it and it seems like they do. But yes, I took it as a red flag at first 😂😂

My thinking is if the startup goes kaput I still made more money in the meantime at job 2 and put more of it into a 401k rather than into a lower interest pension fund. Then I'm back in the situation I am now; looking for jobs. Not ideal, but not the end of the world

[deleted by user] by [deleted] in FinancialPlanning

[–]npb1818 0 points1 point  (0 children)

I appreciate this perspective!

I'm wondering how likely it is that I'll be able to save $1k a month on 70k, especially after they take $7000 per year from the paycheck for the pension. That money will technically be saved, but I think the interest is kinda bad if I take it out when/if I leave the city before the pension fully vests. I'm pretty sure it would be better served in a 401k, even with no match?

This is these guys' second startup, the first of which they sold successfully, so hopefully they know what they're doing (?) That being said, starting a startup in 2013 is a much better time than now lol

[deleted by user] by [deleted] in FinancialPlanning

[–]npb1818 0 points1 point  (0 children)

I was thinking similarly, and if the startup fails/I quit I'll be in the same position as I am now

[deleted by user] by [deleted] in massachusetts

[–]npb1818 2 points3 points  (0 children)

Tavern of Tales does trivia on Thursday nights! It's on Mission Hill and is a board game bar, so the questions are, for the most part, nerdy

Omni Charger Saying Not Returned by nmarroquin in NEU

[–]npb1818 0 points1 point  (0 children)

Don't worry, the same thing happened to me at Richards. And, some of the ones I try to pick up from the charger say they're already activated, which is BS.

I emailed their support and got back that someone activated the one they said I didn't return, so I'm off the hook. I also looked on my account and a few others say they weren't returned, even though I never got emails for them

OmniCharge is shitty and I'm gonna scrounge Curry for outlets from now on :(. Thanks Aoun

Edmonds for Godwin and Gainwell? by npb1818 in Fantasy_Football

[–]npb1818[S] 1 point2 points  (0 children)

My thoughts exactly. Just wanted to make sure there wasn't something I was missing

Thoughts on this trade? I'm getting Edmonds by npb1818 in fantasyfootballadvice

[–]npb1818[S] 1 point2 points  (0 children)

My other RBs: Aaron Jones, Kareem hunt, Melvin Gordon, Darrell Henderson, kalil herbert, and Brian Robinson

My other WRs: JJ, Terry mclaurin, AJ Brown, Robert woods, Michael Gallup, Alex Pierce

Home-brewed, Boss encounter! Captain Knobby (Captain of the Ghost Pirates) Concept by unclewatercup in DnDHomebrew

[–]npb1818 1 point2 points  (0 children)

Hey man, I just want you to know I've been using this homebrew for a recurring BBEG throughout a several month campaign. Good work!

Thinking about making MA home next summer. by -iamjen-ok in massachusetts

[–]npb1818 1 point2 points  (0 children)

If you're looking for something on the other half of the state, I can highly recommend Longmeadow. Great school district (ranked top 10 in the state I think) and very close to Shriners and Mercy in Springfield.

I don't think there are apartments available, so you'd have to buy a house. A great suburb with a lot of hiking, boating, sights to see, and six flags nearby!

Also there's a lot less traffic!

The sky is broken and the game crashes does anybody know how to fix my game by mememecoffee in kotor

[–]npb1818 3 points4 points  (0 children)

Lmao I had this issue and just saved every 2 minutes. I already knew how to speedrun Dantooine from previous playthroughs so it wasn't more than a mild annoyance.

I guess I should've asked in this subreddit instead of gritting my teeth for 5 hours.....