Search found 699 matches

by 2stepsbehind
Sat Aug 15, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Who are you able to share good financial news with?
Replies: 103
Views: 8678

Re: Who are you able to share good financial news with?

Not to be sexist but ... In my experience any time one feels the need to add such qualifier you are usually engaging in that activity. In this example you have let three examples of your experiences with the "fairer sex" besmirch over 50% of the population. The problem seems to be with th...
by 2stepsbehind
Sun Aug 02, 2015 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Can executor take value of personal time?
Replies: 17
Views: 1665

Re: Can executor take value of personal time?

Bumping up so bsteiner and some of the others may see this. I think "Emily" would be on much stronger ground if she got 2-3 quotes from unaffiliated companies as to how much they would charge to provide similar services. She should then share that information with the sister and suggest th...
by 2stepsbehind
Thu Jul 23, 2015 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a Job Offer
Replies: 41
Views: 6015

Re: Negotiating a Job Offer

The one part that really bugs me, and I guess this comes with the territory when you start dealing with these more prestigious Consulting firms, is that if I had gotten an MBA from one of their target schools, I'd be coming in at the Senior Consultant position and my signing bonus would have been a...
by 2stepsbehind
Wed Jul 22, 2015 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Today I paid off my law-school student loans
Replies: 37
Views: 4107

Re: Today I paid off my law-school student loans

congrats to TSR and srj! srj, if you want to add some details on your own journey, it might be helpful for those coming behind.
by 2stepsbehind
Wed Jul 22, 2015 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Today I paid off my law-school student loans
Replies: 37
Views: 4107

Re: Today I paid off my law-school student loans

Heir-A-Parent wrote:There's an award-winning movie about a recent law grad paying off their student loans. I believe it's called "Twelve Years a Slave."


I know that was meant to be a joke, but that is extremely offensive.
by 2stepsbehind
Sun Jul 19, 2015 7:18 pm
Forum: Investing - Theory, News & General
Topic: "Helping Your Parents Financially"
Replies: 62
Views: 7882

Re: "Helping Your Parents Financially"

A very good blog post by EmergDoc. Personally, I think the "that's offensive!" comments don't add anything - really, so what if you're offended? These threads about care for parents/in-laws have been very helpful for me. I also appreciated EmergDoc's blog post. The "that's offensive!...
by 2stepsbehind
Thu Jul 16, 2015 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question - Credit Cards
Replies: 37
Views: 3374

Re: Credit Score Question - Credit Cards

There is no best way to use the points. It all depends on your travel patterns/location. Some might find better value transferring to British Airways to redeem on expensive "shorthauls" (NYC-Toronto, NYC to Montreal, West Coast to Hawaii etc), some for amtrak tickets within a region or fro...
by 2stepsbehind
Tue Jul 14, 2015 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need a credit card (22 years old)
Replies: 36
Views: 2485

Re: Need a credit card (22 years old)

also, i just check my credit score thru credit karma. transunion says its 743, and equifax says its 750. I have never had a credit card except now so how is this? My dad gives me an amex but he pays it off every month and I'm pretty sure my name isn't attached to the credit because its under his na...
by 2stepsbehind
Tue Jul 14, 2015 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Grown Children as beneficiaries
Replies: 33
Views: 3294

Re: Grown Children as beneficiaries

Another idea is a separate life insurance or "PAYABLE UPON DEATH" account (if you have the moeney) for the youngest child with habits like yours. You could leave your retirement account equally but also have some sort of "bonus" account that goes directly to the "good"...
by 2stepsbehind
Tue Jul 14, 2015 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Need a credit card (22 years old)
Replies: 36
Views: 2485

Re: Need a credit card (22 years old)

also, i just check my credit score thru credit karma. transunion says its 743, and equifax says its 750. I have never had a credit card except now so how is this? My dad gives me an amex but he pays it off every month and I'm pretty sure my name isn't attached to the credit because its under his na...
by 2stepsbehind
Tue Jul 14, 2015 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Need a credit card (22 years old)
Replies: 36
Views: 2485

Re: Need a credit card (22 years old)

venmo will charge you a 3% fee per transaction to use a credit card. Unless you are trying to meet a minimum spending requirement, that strikes me as a waste of money. Use the card for your basic everyday expenses (food, gas, utilities).
by 2stepsbehind
Sat Jun 27, 2015 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Move for a Federal Job - Finances?
Replies: 21
Views: 2589

Re: Move for a Federal Job - Finances?

Jane has previous federal experience (very short) and don't mind taking up a fed job if she gets one. The AZ city we live is a great place for retirement, maybe not for raising kids- public schools are not that great. But it's not bad either. Marks question after reading through: "I am not abl...
by 2stepsbehind
Sat Jun 27, 2015 5:53 am
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 5013

Re: Homemaker denied credit card despite high household income

Thanks for the insights. I now get the point that CFPB rules are intended to permit, not require, the consideration of a spouse’s household income in cases where the Dodd-Frank legislation is trying to essentially protect consumers from themselves and preclude inappropriate lending to weaker househ...
by 2stepsbehind
Sat Jun 27, 2015 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Move for a Federal Job - Finances?
Replies: 21
Views: 2589

Re: Move for a Federal Job - Finances?

Mark already received sound advice on fatwallet. There is not enough upside to displace the family (not to mention the 30% pay cut, no guaranteed job for Jane, no family around to help with the baby etc.). There isn't as much mobility as you would think within the government--certainly not enough to...
by 2stepsbehind
Fri Jun 26, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 5013

Re: Homemaker denied credit card despite high household income

Thanks for the insights. I now get the point that CFPB rules are intended to permit, not require, the consideration of a spouse’s household income in cases where the Dodd-Frank legislation is trying to essentially protect consumers from themselves and preclude inappropriate lending to weaker househ...
by 2stepsbehind
Fri Jun 26, 2015 2:42 am
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 5013

Re: Homemaker denied credit card despite high household income

She has reasonable expectation of access to that income. Therefore, she can put it on the application. http://files.consumerfinance.gov/f/201304_cfpb_credit-card-ability-to-pay-final-rule.pdf Wow! Thanks. That takes this issue in a new direction. I'll review this document carefully and consider my ...
by 2stepsbehind
Tue Jun 09, 2015 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and Economic Outpatient Care for a Boglehead
Replies: 70
Views: 5207

Re: Inheritance and Economic Outpatient Care for a Boglehead

What this thread illustrates to me is how easily it is to point to the privileges of others while ignoring some very real privileges likely experienced by the authors. How else can you explain that undergraduate education does not count nor living in a neighborhood/school system where more than XX% ...
by 2stepsbehind
Sun May 17, 2015 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: adversarial inheritance situation - advice needed.
Replies: 23
Views: 3650

Re: adversarial inheritance situation - advice needed.

Tough situation. Not sure the grandchild really has any cause to start hiring legal counsel at this point. It doesn't even seem that he knows whether he's a beneficiary. In many cases, only children directly inherit. At this point the grandchild should probably just focus on enjoying the rest of the...
by 2stepsbehind
Sat May 09, 2015 5:58 am
Forum: Personal Consumer Issues
Topic: Travel trailer (on my wish list)
Replies: 8
Views: 1055

Re: Travel trailer (on my wish list)

consider renting it at least 2-3 times before you decide whether a purchase is warranted.
by 2stepsbehind
Wed May 06, 2015 7:03 am
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 415505

Re: TradingPlaces' advice on travel awards

Redbird dying or dead...on to the next white whale. I think there will be smaller, more labor intensive opportunities, but no white whales. This was the easiest, most lucrative manufactured spend method of all time. Many people, myself most likely included, will stop MS altogether. From now on I'll...
by 2stepsbehind
Wed May 06, 2015 5:52 am
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 415505

Re: TradingPlaces' advice on travel awards

Redbird dying or dead...on to the next white whale.
by 2stepsbehind
Sun May 03, 2015 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Savings vs. Down Payment - Placement & Priority
Replies: 11
Views: 1570

Re: Retirement Savings vs. Down Payment - Placement & Priority

I think I'm with eviltyb. Given you plan to move out of state within the next few years, I'd just rent and use the VA loan for your home when you move. Lets put it this way--would you save up a 75k downpayment and pay market interest rates on a rental property in Georgia?
by 2stepsbehind
Sat May 02, 2015 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Tax LLM: worth it?
Replies: 19
Views: 1843

Re: Tax LLM: worth it?

Thanks for the responses. I attended a top-three law school. Students were not required to take any tax courses, but many of us took basic Taxation. I took that class in the spring of my 3L year and did fine, although at the time I thought I wanted to practice criminal law so I was far more focused...
by 2stepsbehind
Sat Apr 25, 2015 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 47
Views: 3796

Re: Co-sign on spouse's student loans?

Family can have multiple definitions depending on the context. Within the scope of this thread family is appropriate. Well for that matter so can roommates so your juxtaposition of the two was largely unhelpful. Anyway as can be seen in this thread, whether or not someone should take on additional ...
by 2stepsbehind
Sat Apr 25, 2015 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 47
Views: 3796

Re: Co-sign on spouse's student loans?

I think not. It's about family vs. roommates. Even though you retracted it, I'll just note that your comment wasn't particularly helpful. Children, parents and siblings are family not roommates and we routinely counsel against cosigning for loans for them. The comment was within the context of a sp...
by 2stepsbehind
Sat Apr 25, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Co-sign on spouse's student loans?
Replies: 47
Views: 3796

Re: Co-sign on spouse's student loans?

cheese_breath wrote:I think not. It's about family vs. roommates.


Even though you retracted it, I'll just note that your comment wasn't particularly helpful. Children, parents and siblings are family not roommates and we routinely counsel against cosigning for loans for them.
by 2stepsbehind
Sat Apr 25, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 8751

Re: Marriage and splitting expenses

It seems there are a lot of different opinions on this expanding thread. They appear to boil down to 2 or 3 camps. "Two becomes one". All assets, income, and expenses should be considered part of a single pot. What's mine is ours, what's yours is ours. For better or for worse. "I Me ...
by 2stepsbehind
Thu Apr 23, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: Vehicle for tall people/Spouse wants 50k car help!
Replies: 77
Views: 6620

Re: Vehicle for tall people/Spouse wants 50k car help!

If the car is primarily for your wife, then what does it matter that you'd be uncomfortable in it after 2 hours of driving? If you are unlikely to drive it that often, you might just consider getting a cheaper luxury vehicle that fits her well and rent a car for other situations.
by 2stepsbehind
Wed Apr 22, 2015 7:10 am
Forum: Personal Consumer Issues
Topic: Dealing with tourists taking photos. Etiquette question.
Replies: 34
Views: 4035

Re: Dealing with tourists taking photos. Etiquette question

On my most recent trip I was amazed at the growing trend of "selfie sticks" in use. Kinda pathetic if you ask me. :? Would you prefer for solo travelers to always have to inconvenience others to have pictures from the trip or do you prefer the more "authentic" selfie look of onl...
by 2stepsbehind
Tue Apr 21, 2015 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate inheritance proceeds?
Replies: 16
Views: 1361

Re: How to allocate inheritance proceeds?

Your plan looks like a good one. Just want to add sorry for your loss and don't feel like you need to do everything right away. Take time to grieve and when you are ready, figure out what the plan should be going forward. What are the exact funds on your 401k? That may give people ideas on what shou...
by 2stepsbehind
Thu Apr 16, 2015 11:17 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 415505

Re: TradingPlaces' advice on travel awards

Glad to hear you booked! LoL: regarding the dangers of flying. I am also tempted by those offers a lot, but I can't really say I was ever able to take advantage of those: (1) it is hard to make those trips when working, (2) up until recently I was not a US Citizen, and traveling pretty much everywh...
by 2stepsbehind
Sat Apr 11, 2015 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 20068

Re: Cost of College & Weighing the Merits of Top Schools

At the end of the day, if you make under 100-120k and your kid gets HYPS, it is an excellent deal. On the other end of the spectrum, if you have the money and you can't imagine any more creative uses for it, there is nothing wrong with pulling full freight for HYPS or any number of other highly rega...
by 2stepsbehind
Sat Apr 11, 2015 10:52 am
Forum: Personal Finance (Not Investing)
Topic: What is Sammy Savers net worth?
Replies: 41
Views: 4061

Re: What is Sammy Savers net worth?

Any response outside of $1 million is nonstandard. If sammy died tomorrow he could leave $1 million to charity, not more or less. No, he could leave $1 million + the proceeds of the sale of his house minus any associated real estate fees. I think the $1 million figure listed above understates his n...
by 2stepsbehind
Sat Apr 11, 2015 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Prenup Poll
Replies: 5
Views: 461

Re: Prenup Poll

I think it would help if you made the potential responses less loaded. What does it is a financial, not a marriage relationship issue mean? I happen to think it is both a financial and a marriage relationship issue in the sense that it will test their ability to communicate and their ability to comp...
by 2stepsbehind
Sat Apr 11, 2015 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 123
Views: 11424

Re: Prenup

The irony is right now on the board another (somewhat less popular) thread exists https://www.bogleheads.org/forum/viewtopic.php?f=2&t=163312 where the following advice appears to be de rigueur: "Get a will. Do you really want the state determining your personal representative and the dispo...
by 2stepsbehind
Sat Apr 11, 2015 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 123
Views: 11424

Re: Prenup

Most of the agreements I have seen are not designed to 'make the partnership work" , that is why they are routinely "sprung" on the weaker party right before a wedding. That certainly does not represent best practices and any good lawyer in this field should know that proximity to th...
by 2stepsbehind
Sat Apr 11, 2015 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 123
Views: 11424

Re: Prenup

Its just a procedural example. I'm actually trying to see if there is a analytical middle ground between the " Its all MINE MINE MINE you worthless Baggage !!! on the one side and " any prenuptial agreement is a bad idea and a corruption of marriage " on the other IMHO people work ha...
by 2stepsbehind
Sat Apr 11, 2015 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 123
Views: 11424

Re: Prenup

I apologize for lack of clarity in the question and fully accept that this is a fair answer albeit not to the question I thought I asked I was actually asking the question of whether it was possible to reduce the uncertainty by providing for post hoc analysis, not merely provide an arguably fair so...
by 2stepsbehind
Sat Apr 11, 2015 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 20068

Re: Cost of College & Weighing the Merits of Top Schools

Case in point: law. Potential employers aren't going to pay one iota of attention to where you got your BA. Yes and no. Law school is absolutely a filter and cut-off for law firms in a way that undergraduate school is not. But undergraduate school is still considered. All other things being equal, ...
by 2stepsbehind
Fri Apr 10, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 123
Views: 11424

Re: Prenup

There are plenty of existing threads on the subject, and the community is divided on the subject. I think a little over half the people here are in favour of prenups for a number of reasons. The other half are against prenups for sentimental / ideological reasons. . Wow, does that go with "fai...
by 2stepsbehind
Fri Apr 10, 2015 5:07 am
Forum: Personal Consumer Issues
Topic: Best US city to spend Xmas
Replies: 40
Views: 2885

Re: Best US city to spend Xmas

SJG wrote:Know a guy who tried Bethlehem at Xmas. No rooms anywhere. Ended up staying in a manger.


Well played.
by 2stepsbehind
Fri Apr 10, 2015 4:49 am
Forum: Personal Finance (Not Investing)
Topic: Prenup
Replies: 123
Views: 11424

Re: Prenup

There are plenty of existing threads on the subject, and the community is divided on the subject. I think a little over half the people here are in favour of prenups for a number of reasons. The other half are against prenups for sentimental / ideological reasons. . Wow, does that go with "fai...
by 2stepsbehind
Thu Apr 09, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 20068

Re: Cost of College & Weighing the Merits of Top Schools

I have taught at HYPS . . . and the difference in resources, faculty attention, and the student body is tremendous. Yes, many students at other universities are impressive, but virtually all of the students at HYPS are. Yeah that was not my experience as a TA leading several sections of undergradua...
by 2stepsbehind
Wed Apr 08, 2015 10:43 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 415505

Re: TradingPlaces' advice on travel awards

If you looked at the Freedom terms and conditions for last quarter you would have seen that Walmart and Target were specifically excluded from the grocery store promotion.
by 2stepsbehind
Sun Apr 05, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: [how to handle a $100] purchase from Guatemala?
Replies: 24
Views: 1885

Re: [how to handle a $100] purchase from Guatemala?

gasdoc wrote: (I don't have a way to call international.). :happy


Skype? A good ole fashioned phone card from the grocery store, drug store, or local bodega?
by 2stepsbehind
Sat Apr 04, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 12670

Re: Manufactured Spending - Good Idea / Bad Idea?

You don't consider getting 4 credit cards/year, a big deal? You sentence The miles must be strategically accumulated with the airlines and suitable flights must be found. is the key. Have you actually added up the time you have spent doing this? Including all the time spent asking questions here an...
by 2stepsbehind
Thu Apr 02, 2015 12:22 pm
Forum: Personal Consumer Issues
Topic: The Credit Card Game
Replies: 32
Views: 3299

Re: The Credit Card Game

Hi 2stepsbehind... I've received close to 20 cards since starting with this. I use the Frequent Miler blog for guidance. He and his team list the most lucrative sign up offers...I've been applying for those offering north of 25K in points. If you have a different source that might include cards mis...
by 2stepsbehind
Thu Apr 02, 2015 11:21 am
Forum: Personal Consumer Issues
Topic: Failed Aeroflot booking: What to do?
Replies: 48
Views: 3239

Re: Failed Aeroflot booking: What to do?

BREAKING NEWS! A blogger MillionMileSecrets has recently recommended a new cheap airline WOWAir. For the fun of it, I checked flights from Baltimore to Berlin and Copenhagen. Berlin is not available on the dates I want, but a round trip BWI-CPH can be mine for mere $635,77. These are direct flights...

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