1 Here is Your Open Thread | The Billfold

Here is Your Open Thread

A dozen employees in four of the region’s most financially strapped school districts have been charged with helping steal thousands of textbooks for a book buyer, and in some cases the titles would be sold back to the same schools.

Here’s something to be angry about, in case you have nothing to be angry about this weekend, which I doubt because there’s just so much to be angry about right now.

Photo: bilbioarchives


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Oh man, do I get to go first?

Braggin’ time: I got a new job! A substantially better-paid one about which I am very excited! And I submitted my notice today and my boss was really nice about it! I feel like I owe the smoothness of the entire process to Ask A Manager, so you guys should go read her if you don’t already.

LookUponMyWorks (#2,616)

@bowtiesarecool Congrats!!!

EDaily (#4,396)

@bowtiesarecool Ooh, congrats!

eagerber (#1,958)

Serious question: I live in DC and would like to move to San Francisco. I’ve felt this way for a while now, but now I’ve actually committed to a date. I want to move there on or before that date, and I want to stick to that plan. But I have a few $$ related questions:

-what is the SF job market like? I work in development and fundraising. Obviously, I would move earlier if I got a job, but…
-if I were to nanny for the first few weeks (months?), what rate do most families pay? are live-in nanny opportunities easy to come by? scarce?
-it cost a ton of money to transfer my car from VA to DC plates. I’m not worried about passing CA’s car inspection, as my car is in very good shape — just worried about property taxes, etc. Or is it easier to just dump the car and take public transportation?

Thanks for your advice, Billfolders!

EDaily (#4,396)

@eagerber I have friends who live in S.F. and they take the bus and Muni and are fine. When they need a car they use Zipcar. If they really have to rush somewhere they just hail a cab.

Allison (#4,509)

@eagerber parking in the city is a pain in the ass for most people, so it might be easier to dump it. And you’re never going to have to trudge through the snow. (Hills are a thing though)

LookUponMyWorks (#2,616)

@eagerber Slightly off-topic, but how much did it cost you to transfer to DC plates? I’m moving to DC and the DC DMC website is very vague about how much it’ll cost to get new tags…

Marissa (#467)

@eagerber I have no idea about nannying and I haven’t looked for anything new in a while but there are a ton of non-profits in San Francisco (I work for one) so development and fundraising are probably good jobs to be looking for. If I were you, I’d start scoping out Craigslist and Idealist now just to see what’s out there.

When I moved to San Francisco, it was from my hometown which is about an hour north of here. The first neighborhood I lived in was terrible for parking and I’m a nervous city driver anyway, so I left my car in my mom’s garage for a few months. It became clear pretty quickly that for me, I wasn’t going to need a car here. I sold it and used the money to go to Europe for a couple of weeks. Wheeeee!

I’ve been living here for over five years without a car and I personally wouldn’t do it any other way. Our public transportation is laughably bad a lot of the time but it will generally take you where you need to go. You can get a Muni pass for $66/month which beats permit fees (sometimes you need a permit just to park on the street in your neighborhood), parking tickets, and other car expenses. There’s always Zipcar if you need it.

Good luck with the move. It’s a great city!

CaddyFdot (#2,686)

@eagerber I’m guessing you are already prepared for the ridiculous rents in SF, but if not you may find that you can’t afford to live within SF itself, or you may live in SF but have a job that is not in SF. In either of those cases, unless both ends are near a Bart or Caltrain stop (or bus line that meets up with Bart/Caltrain), I recommend keeping the car.

eagerber (#1,958)

Thank you all for such great advice!

Yeah, I’d like to hold onto my car — but maybe I could leave it with my parents some place on the East Coast. That’s good to know about neighborhood permits — was totally unaware of that.

I’m definitely aware of SF’s high rents, but coming from DC, where I’m currently spending half monthly salary on my one-bedroom, I anticipate more of the same out there. (Realistically, probably paying roughly the same for just a room in a group house.)

@LookUponMyWorks — it’s not so much the plates itself. License seemed standard (I don’t know, $35?), but registration cost me over $500. Basically, they base that on the value of your car. In VA, all I remember is that I paid much less.

OllyOlly (#669)

Just had a visiting scholar from Korea get really appalled that Bank of America would charge him for a wire transfer or for ordering checkbooks. Made me wonder how bank systems differ around the world. Billfold article??

@OllyOlly I think that generally speaking banks in other countries are more likely to charge monthly fees but less likely to charge dumb one-off fees.

The biggest difference is that in many countries bank accounts have large built-in overdrafts which basically work like a line of credit, with a small %-based fee rather than $35 for each latte you buy with NSF.

The tricky bit in the UK is that they will offer like a 1,000GBP overdraft on student accounts, so most students graduate with a current account balance of -995 or so. As soon as the bank finds out you’re no longer a student they will lower it to, say, 100GBP and expect you to immediately pay back the rest.

Allison (#4,509)

Can someone help me figure out an escrow related thing? Apparently my account is going to be about $400 below the reserve level they like to have it at, so they’re raising my mortgage payment (on the taxes/insurance side, no P&I obviously) by about $130/mo. (aka about 13% of my payment) For a year. Which seems…excessive to me.

I could just pay out the $400 directly but I don’t want to have a huge shortfall next year if something similar happens.

sony_b (#225)

@Allison Wells Fargo just did this to me. $200/month more. The value of our house went up, so our taxes went up and a bunch of murders just happened at the other end of my zip code, so our insurance is more expensive in two directions. Yay, Oakland!

Allison (#4,509)

@sony_b If the total increase in escrow payments was going up by $800 even, it would make sense to me. But $1500 seems like a number straight out of nowhere.

Ohhh Oakland. Well. I like the airport?

@fo (#839)

@sony_b “The value of our house went up, so our taxes went up…Oakland”

Unless you made improvements to your house, that isn’t supposed to happen, with Prop 13. WTF?

jquick (#3,730)

@Allison Have you called them to discuss and request a lower increase? Several years ago the value of my house went down…and thus my taxes. I called, sent them the new prop paperwork and we discussed my new deduction. Mortgage is with Wells Fargo.

Allison (#4,509)

@jquick I hate the phone. But yeah, I need to just bite the bullet and call.

antheridia (#2,995)

Just need to brag – I won $1000 on a radio contest this morning! I plan to spend it all frivolously – I’m going to NYC for my 30th birthday and this will be some extra spending money!

@fo (#839)

@antheridia Don’t pull a Logan and forget that you’ll get a 1099 for that and need to pay taxes!

I’m going to go buy 1 Shirt today because THREE of my dress shirts suddenly developed huge tears in the exact same spot on the left elbow within a few days of each other. UGH.

Pro tip, don’t buy all your shirts from Express.

Liz the Lemur (#3,125)

@stuffisthings But the shirts from Express fit me perfectly! And they go on sale twice (or more) a year.

@lemur_niemer I know that was my thinking too, now I have three shirts with giant rips in the exact same spot.

I did a trip to Macy’s last week to find my size/fit in several of their brands so I can start to build up a more diversified shirt portfolio…

Liz the Lemur (#3,125)

Moderate freak out – I just started an internship, and there’s a job opening that came up after I signed on for the internship. I talked to the supervisor about that position, and she encouraged me to submit my resume – even though they probably want to hire someone before my internship is over. Before my interview I maybe?? heard her talking about how she wasn’t sure if I would be the right fit/I wasn’t qualified. But I’m not quite sure. And then I had my interview an hour later and did my best, but the overheard conversation is still in my head. And there’s really nothing I can do about it but wait.
I really should just learn to put headphones in if I think someone is talking about me and I’m not supposed to hear it.

jquick (#3,730)

@lemur_niemer Do you think you are qualified? Are they looking for someone with intern level experience, or someone more seasoned?

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