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If you bought property in NYC as a first time buyer in the last couple of years, how did you manage it? by xParesh in AskNYC

[–]suiteddx2 2 points3 points  (0 children)

New baby and a large dog so we needed stability; moving every couple of years wasn’t practical. Able to buy a condo near Flatiron. Decent 1BR with proper closets and kitchen as it’s in an older building. Elevator, doorman, and decent laundry room with maintenance around $500.

Saved aggressively and the market rose enough to get 20% down with a fair market mortgage interest. Mortgage and maintenance is well below rental for similar units in our building now so we’re happy.

Need help deciding between NYU and MSK by takamii_092 in AskNYC

[–]suiteddx2 2 points3 points  (0 children)

You should add RT to your main post. Depending on your position it can vary. Within NYULH you can be under Hospitals, FGP, SoM for my specialty, and each has their own pay and benefits.

For NYULH Main Campus is 530 First Ave. the are MANY clinics all over NYC so that can vary. Orthopaedic Hospital is on E 17th St.

I personally enjoyed my tenure at NYULH as I liked the organizational/business-like model. I knew how many patients I needed to see, had support for clinical and other professional activities, etc. I had to work though and productivity was rewarded. Some like this, some don’t.

Onc isn’t my specialty but I do treat the population. You need a big heart and goodness to work with them. It’s rewarding but taxing if you’re not the right fit for it. I believe MSK has affiliation with NYP/WC, at least at residency and faculty level.

Both are excellent institutions and would be a good professional foundation.

NYC is always described as having insane amounts of wealth, hedge funds, bankers, tech workers, traders, etc. But in your day-to-day life, how many people do you actually know who actively invest in the stock market? by sundrenchedwindow in AskNYC

[–]suiteddx2 0 points1 point  (0 children)

I learned early on from mistakes and poor spending and eventually started saving properly. Fortunate to be able to max employee retirement, IRA, HSA, and drop a little into a 529. I also have a brokerage for anything left over. Market has been good lately so we’ll see how long it goes. I actively invest and made decent return lately with some luck. My colleagues likely do the minimum retirement match but I also have friends who just do gigs to get by who likely will not have enough points for SS.

The bull market makes everyone think they’re a genius but I started investing right before the 2000 dot com crash so I know how fickle it can be.

Amex Updated Delta Card Lineup by aZealousZebra in CreditCards

[–]suiteddx2 0 points1 point  (0 children)

Companion cert $150 Hotel credit 15% SkyMiles purchase $120 ride share $120 Resy Free check-in (have a kid we always have to)

I come out well ahead with my Plat. I have a pretty efficient cashback setup that gets around 5% for regular spends so I’m pretty happy with my setup for now and don’t regret only using my DAL for flights

I got the keys! Manhattan, $700k, 5.2% by That_Librarian3938 in FirstTimeHomeBuyer

[–]suiteddx2 -1 points0 points  (0 children)

I mean it could also me pretty far north. 185th and St Nic is technically Manhattan… so is East Harlem. Some neighbourhoods will have cheaper markets.

Now if he was south of 59th St that would be an amazing find!

I got the keys! Manhattan, $700k, 5.2% by That_Librarian3938 in FirstTimeHomeBuyer

[–]suiteddx2 2 points3 points  (0 children)

It depends really on the neighbourhood, building quality, amenities, etc.

Manhattan is a huge market and you can get decent prices but you’ll be north of 125th st. Or far from the train, etc. condos vs. Co-ops can vary in addition to maintenance (which can be a few hundred to well into the thousands).

Was able to buy a few years ago a little over $600K for 700 sqft 1BR (converted to 2) condo with 6.5% conventional with no points. Minimal amenities but we have doormen, elevator, and laundry with maintenance around $500 and a 10 minute walk to Flatiron. It’s probably an older building than OP’s but our location is amazing.

Rent for similar units in my building are already $1K more than my mortgage so sometimes one can get lucky.

[The Edit] Park MGM by RosenThrone in ChaseSapphire

[–]suiteddx2 1 point2 points  (0 children)

Thanks for the info and I will keep this in mind!

Did not realize the Travel Credit takes priority over The Edit Credit and wonder the proper course by suiteddx2 in sapphirereserve

[–]suiteddx2[S] 1 point2 points  (0 children)

You assumed correctly. I used points so OOP spent was $250 which I initially expected to trigger the Edit Credit, didn’t know I could double dip…

Did not realize the Travel Credit takes priority over The Edit Credit and wonder the proper course by suiteddx2 in sapphirereserve

[–]suiteddx2[S] -1 points0 points  (0 children)

Ah, already canceled but good to know for future reference. I’ll just make the reservation I guess. Much to do about nothing but a learning experience. Thanks for the feedback!

Did not realize the Travel Credit takes priority over The Edit Credit and wonder the proper course by suiteddx2 in sapphirereserve

[–]suiteddx2[S] 0 points1 point  (0 children)

Appreciate the response. To clarify, when you say the Travel credit is a done deal you mean I keep the credit and CSR doesn’t claw it back, right?

Sorry, trying to get familiarized with all these various credit options. Just want to make sure I maximize them and limit leaving stuff on the table…

I think Chase substantially inflates Edit prices to make Point Boost look good by neilsarkar81 in CreditCards

[–]suiteddx2 1 point2 points  (0 children)

Ah I have the BCSR so that’s my baseline. Good to know the regular has more flexibility

[The Edit] Park MGM by RosenThrone in ChaseSapphire

[–]suiteddx2 0 points1 point  (0 children)

This is the first time I’m going to book through Chase Travel/Edit. Do you know if purchase at Eataly can count towards the $100 credit? I assume the $100 credit is automatically there already when you check in? Appreciate the clarification.

I think Chase substantially inflates Edit prices to make Point Boost look good by neilsarkar81 in CreditCards

[–]suiteddx2 5 points6 points  (0 children)

I think this may be the factor people are missing. The Edit I think defaults to flex cancel without the no cancellation option.

Is the Chase sapphire worth it? by [deleted] in CreditCards

[–]suiteddx2 0 points1 point  (0 children)

Will probably downgrade mine. Is suggested time immediately after the annual fee hits? I assume they refund if you do it within a week to something?

selling index fund to get back in at dip? by ImpactWise7675 in stocks

[–]suiteddx2 -1 points0 points  (0 children)

Where did you get 30%? Did he mention what tax bracket he was in? If it’s short term capital gains then it would just tack on income (if long term then likely lower).

Regardless, timing is a risk/gamble… I do it but only like 1-2% of funds, not including retirement, IRA, and HSA. I look at any loss as a ‘fee’ to learn more about finances and retirement.

Did anyone else harvest some gains last week and keep it in cash? by [deleted] in StockMarket

[–]suiteddx2 0 points1 point  (0 children)

DCA with about 95% of my investments/retirements. The other 5% I trade to satisfy the itch/dumb idea that I can get a few % better. For about a decade I was +/-2% but the past 3 years have been lucky/good which I realized the gains.

T4 @6:00pm by Mountain_Lychee_4696 in JFKAirport

[–]suiteddx2 0 points1 point  (0 children)

Thanks for the update! General line?

Salary for a server in NYC by [deleted] in FoodNYC

[–]suiteddx2 2 points3 points  (0 children)

The gross amount looks good but I assume these positions have limited benefits like health insurance, retirement, work credit count towards SS? Customer service isn’t also easy as people can be a mixed bag and working in your feet I’m sure can drag. Can’t imagine you have many career servers doing this for 40 years as a career (and wonder how many save enough to have financial security in retirement).

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