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Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

I am a docent at Alcatraz. Alcatraz Cruises has a monopoly on ferries landing on the island. Either you go with them or you just go around the island. I will send you a PM to see what you needs are and if I can get you tickets onto the island beyond what is allowed by the boat company. Wow, fantast...
by Savvy
Thu Dec 18, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 9
Views: 517

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

I am a docent at Alcatraz. Alcatraz Cruises has a monopoly on ferries landing on the island. Either you go with them or you just go around the island. I will send you a PM to see what you needs are and if I can get you tickets onto the island beyond what is allowed by the boat company. Wow, fantast...
by Savvy
Thu Dec 18, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 9
Views: 517

Re: Having my year end review with my manager, what to expec

So.. the review went well.. my manager had alot of good positive things to say.. our company did well this year, really well and they made me believe that we would get a big bonus and raise... but after the end of the review I was told I get a 1% raise and a 4% bonus... so the raise pretax is 610$ ...
by Savvy
Thu Dec 18, 2014 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Having my year end review with my manager, what to expect?
Replies: 30
Views: 2610

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

I made a similar mistake on my last trip that way. A lot of the "tour guide" places get an allotment of tickets to Alcatraz but must be bundled with something like a bus ticket. I felt kind of robbed initially, I paid ~$80-100 a ticket for Alcatraz and the bus tour. The bus tour actually ...
by Savvy
Thu Dec 18, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 9
Views: 517

Re: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done

Where are you staying? Many hotel concierges can fetch tickets for you with a service if they know in advance. I'd ask the hotel concierge about how to do this. I've been on that tour, it's a good one. We're staying at a run-of-the-mill Hampton Inn. I just called the hotel...they don't have any tic...
by Savvy
Thu Dec 18, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 9
Views: 517

Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?

Hello BHs! My wife and I have never been to San Fran. We're going to be there for about 48 hours this weekend...and we neglected to book Alcatraz tickets in advance. It's sold out on the phone and on the official website. We really want to go. Some sites say that up to 100 tickets are sold the day-o...
by Savvy
Thu Dec 18, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alcatraz Tour - Early AM Same Day Tickets - Anyone Done It?
Replies: 9
Views: 517

Re: How do you figure out the best location to buy a house?

This is the template we used to buy our house (which includes discussion on location):

http://www.mrmoneymustache.com/2013/09/ ... y-a-house/
by Savvy
Mon Dec 15, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: How do you figure out the best location to buy a house?
Replies: 40
Views: 2901

Re: Leaving my job. Moving to Shanghai. Help with finances!

6. Working Abroad: Any advice as to finding a job abroad, specifically in Shanghai? Moving my position there/taking a sabbatical are not options for me. I'm planning to travel for a bit, but then would begin looking for work opportunities, whether it be a business professional position like I have ...
by Savvy
Wed Dec 10, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving my job. Moving to Shanghai. Help with finances!
Replies: 24
Views: 3050

Re: Book suggestion for buying primary home

This was our template we followed when buying our house 6 months ago: http://www.mrmoneymustache.com/2013/09/04/how-and-how-not-to-buy-a-house/ You need to list out ALL of your needs, ALL of your wants, ALL of your "would be nice". After you've seen the house, you can look at your three li...
by Savvy
Wed Dec 10, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Book suggestion for buying primary home
Replies: 13
Views: 873

Re: Disability INS for homemaker?

Wow, awesome timing on this question. I don't have any answers but am in an identical situation to you. Looking forward to hearing some answers. Our term life insurance person suggested some type of disability coverage specifically for stay-at-home spouses for a small amount of coverage (like $750/m...
by Savvy
Mon Dec 08, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disability INS for homemaker?
Replies: 8
Views: 541

Re: High(ish) earner; spending too much?

Hello. Obviously too much is a subjective question of course, but thought I'd run it by the crowd. One reason I feel "guilty" about spending is because my coworkers are extremely frugal, and next to them I look comparatively prodigal.* Though I suppose if I'm looking to rationalize discre...
by Savvy
Sun Dec 07, 2014 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 66
Views: 7025

Re: Getting Married...Any advice?

Congratulations! Focus the planning on your marriage, not on your wedding. State the obvious. (It may not be obvious to the other person) Always assume the best in your spouse. (They are not your enemy but your teammate) Extend grace when the other makes a mistake. Practice affirmation daily. (Affir...
by Savvy
Wed Dec 03, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting Married...Any advice?
Replies: 25
Views: 2569

Re: How should wife counter salary offer within current co.?

There is no "wiggle room" ...... until there is. Our company has a policy that internal raises cannot be above x%....so every time, managers can say "Sorry, it's policy." However, that's only true up to a point - eventually the higher-ups can approve a higher raise. I am going to...
by Savvy
Fri Nov 21, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5584

Re: How much is saved by taking mass transit to work?

We have saved so much! We have been married almost 3 years and have always had just one car. We have specifically rented (and now own a house) in locations that allow us both to get to work with just one car. Public transit costs me $40/month unlimited (subsidized through my company). It actually SA...
by Savvy
Wed Nov 19, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: How much is saved by taking mass transit to work?
Replies: 51
Views: 4031

Re: I have seen the enemy and it is me. Reluctance to inves

Grateful, Don't underestimate the pernicious nature of inflation. It steadily eats away at your portfolio - you don't notice it, but it has serious long term implications. You are conservatively invested to reduce stock market volatility, but your portfolio is risky in terms of exposure to inflatio...
by Savvy
Thu Nov 06, 2014 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have seen the enemy and it is me. Reluctance to invest
Replies: 29
Views: 3417

Re: Minnesota mtg | sat Nov-1 | 10:00am | agenda attached

Looking forward to attending my first event and meeting some folks in the BH community!
by Savvy
Wed Oct 29, 2014 1:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Minnesota mtg | sat Nov-1 | 10:00am | agenda attached
Replies: 7
Views: 1050

Re: Making an offer today

My advice: Be patient. I don't think this is the place for you. You would know if it was. Don't settle. FWIW: We are first-time home buyers. We closed in April. We made an offer on a house in February that ultimately fell through. At the time, I couldn't imagine NOT getting that house...it was perfe...
by Savvy
Thu Oct 23, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making an offer today
Replies: 44
Views: 4869

Re: How to Minimize Taxes: Family Selling Farm (Estate Plann

Thank you also to jared, harmony, and smackboy1. I really appreciate the feedback. I do not fully grasp the concepts you bring up but will definitely pass this along to my family members that are working with the CPA. There may be a delay for a couple days as this information is passed back-and-fort...
by Savvy
Tue Aug 12, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Taxes: Family Selling Farm (Estate Planning)
Replies: 21
Views: 1740

Re: How to Minimize Taxes: Family Selling Farm (Estate Plann

Are there any improvements they have made on the farm that they can deduct? I am thinking new fences, barns or roads and not repairs. You can delay taxes if you make exchanges in like kind properties. If there are certain rental losses that they could not take if their income was too high, they mig...
by Savvy
Tue Aug 12, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Taxes: Family Selling Farm (Estate Planning)
Replies: 21
Views: 1740

Re: How to Minimize Taxes: Family Selling Farm (Estate Plann

Estate taxes shouldn't be a big deal (unless they own another $4+ Million or you're in a state with a lower exemption amount), so the main goal I would think would be avoiding the capital gains taxes. The key to that ought to be getting the step-up in basis. Who owns the farm and is there some reas...
by Savvy
Tue Aug 12, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Taxes: Family Selling Farm (Estate Planning)
Replies: 21
Views: 1740

Re: How to Minimize Taxes: Family Selling Farm (Estate Plann

This is basic stuff for a CPA. The biggest mistake is not using a CPA that understands farms. Beyond that any advice here is speculation. If the property is sold the taxes are what they are. Im not sure if the tax situation changes based on how the farm was being run, but at this point im sure ther...
by Savvy
Mon Aug 11, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Taxes: Family Selling Farm (Estate Planning)
Replies: 21
Views: 1740

How to Minimize Taxes: Family Selling Farm (Estate Planning)

Hey Bogleheads! Close family are selling their farmland / home in the coming months for roughly $1M. They acquired the property many decades prior for, and I'm guessing here, $100K. They recently purchased a house to move into, not on farmland or anything, for roughly $200K. They have been leasing t...
by Savvy
Sun Aug 10, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Taxes: Family Selling Farm (Estate Planning)
Replies: 21
Views: 1740

Re: Should I enroll in my employers Dependent Care FSA?

I recommend lowering 457b and raising hsa contributions. I assume you're recommending to up the HSA due to it being the only triple tax deferred account available? Unfortunately, I can't afford to leave the money in the HSA and pay my medical bills out of pocket. šŸ˜‚ I only sort of understand. You do...
by Savvy
Sat Jun 14, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I enroll in my employers Dependent Care FSA?
Replies: 20
Views: 1327

Re: Should I enroll in my employers Dependent Care FSA?

I recommend lowering 457b and raising hsa contributions.
by Savvy
Fri Jun 13, 2014 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I enroll in my employers Dependent Care FSA?
Replies: 20
Views: 1327

Re: Mortgages/Black Swans/Larry Portfolio/Antifragility

What about risk of rent going up? What if rent and house prices both go up, person A is sort of trapped, right?
by Savvy
Fri Jun 13, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mortgages/Black Swans/Larry Portfolio/Antifragility
Replies: 27
Views: 1839

Re: Help Please: Mortgage Advice

I live in MN and it's not overly unusual on open enrollment. You just have to be able to get the kids into the normal bus route or drop them off...We live two blocks from a better public school district. In MN you can actually attend a different public school district than the one you live in? In m...
by Savvy
Sat May 31, 2014 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Please: Mortgage Advice
Replies: 15
Views: 1398

Re: Help Please: Mortgage Advice

This is your biggest opportunity in your life to save money. Pay for what you need and not what you don't need. It'll take awhile to find that exact house. http://www.mrmoneymustache.com/2013/09/04/how-and-how-not-to-buy-a-house/ Our gross income is 110k and we are also thinking of starting a famil...
by Savvy
Sat May 31, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Help Please: Mortgage Advice
Replies: 15
Views: 1398

Re: Help Please: Mortgage Advice

This is your biggest opportunity in your life to save money. Pay for what you need and not what you don't need. It'll take awhile to find that exact house. http://www.mrmoneymustache.com/2013/09/04/how-and-how-not-to-buy-a-house/ Our gross income is 110k and we are also thinking of starting a family...
by Savvy
Fri May 30, 2014 11:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Please: Mortgage Advice
Replies: 15
Views: 1398

Re: First Mortgage Payment

Thank you all for the great feedback. It sounds like I should just talk to my lender to clarify. Maybe it's silly, but it seems like some of you participate in this same action...and no, we're not at all strapped for cash.
by Savvy
Sat May 17, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Mortgage Payment
Replies: 18
Views: 965

Re: Visiting Minnesota Suggestions?

BWCA is amazing. Permit needed. Isle Royale is on my wish list.

Stillwater is a short drive from St Paul and has a beautiful small town view with walk along the river.

Mall of America does not need to be visited.

Look into Nice Ride when in twin cities for biking.

Welcome!!!
by Savvy
Sat May 17, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2235

First Mortgage Payment

Hello all, My wife and I recently bought a house :) Our first payment is "due" on June 1 but the letter also says that if payment is not received by June 16 we will incur a late penalty of $38.12. So...when is the mortgage payment actually due...June 15? How do you time your payments? Than...
by Savvy
Sat May 17, 2014 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: First Mortgage Payment
Replies: 18
Views: 965

Re: 31 yo single income with 3 small children: What to do?

To all who have replied, thanks a ton! I appreciate all your feedback to help me get everything in order (or at least as close to orderly as possible). To answer a couple of questions/comments: 1) I have a $500,000 term life insurance policy I pay for through my employer and my employer provides a ...
by Savvy
Thu May 08, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 yo single income with 3 small children: What to do?
Replies: 31
Views: 3837

Re: How much house can you afford to buy? When is it to much

We almost fell into this trap. We're mid-20s. You should know how much house you can afford BEFORE looking at houses. Then, try to buy a house below what you can afford. Put tons of work into looking at homes, you can find one that meets your needs for less money. We bought a house that is about 1.6...
by Savvy
Sun May 04, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: How much house can you afford to buy? When is it to much?
Replies: 34
Views: 4267

Re: Brown bagging in a more formal office

Another young professional here! I have a lunch bag similar to the below, except mine is just solid blue : http://www.target.com/p/built-neop-lunch-s-monster-mashup/-/A-14461048#prodSlot=medium_1_18&term=lunch My rule of thumb: I bring a lunch every single day in this blue lunch tote. Usually it...
by Savvy
Wed Apr 09, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Brown bagging in a more formal office
Replies: 43
Views: 5084

Re: Mr. Money Mustache: Hero or Foolish?

His blog was my motivation to buy a bike.. "it's ludicrous to drive a massive, gas guzzling suv across town to work out on a treadmill, while watching. Get on your bike, walk, get moving. An ex-co-worker told me about a guy who rode his bicycle to work every day. He was doing that one morning ...
by Savvy
Mon Mar 31, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 255
Views: 37835

Re: Best Mortgage Type for 1st-timers: 30-YR Fixed?

Thank you all for the great advice. In general, we could afford to pay a 15-year mortgage but it would substantially damage the tax-advantaged retirement savings contributions. We'd like to pay at the amount per month similar to a 30-year mortgage. It sounds like the 10/1, 15/15, and 7/1 are all wor...
by Savvy
Tue Mar 25, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage Type for 1st-timers: 30-YR Fixed?
Replies: 19
Views: 1288

Best Mortgage Type for 1st-timers: 30-YR Fixed?

Hey Bogleheads! My wife and I are purchasing our first home. We are putting 20% down. We would expect to be in the home for 10-12 years. Should we be considering any type of loan besides a 30-year fixed? We do not want to pay off the loan quicker than the 30-year schedule, but since we don't expect ...
by Savvy
Tue Mar 25, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Mortgage Type for 1st-timers: 30-YR Fixed?
Replies: 19
Views: 1288

Re: finding ways to save money

mr money mustache has dramatically changed how my wife and I spend money. His basic premise is that you can spend less without lowering happiness. Keep in mind that you need around 25x expenses in retirement savings to retire (we could debate the multiple) which means that if you lower your annual s...
by Savvy
Sun Mar 02, 2014 6:19 am
 
Forum: Personal Finance (Not Investing)
Topic: finding ways to save money
Replies: 39
Views: 4041

Re: Dave Ramsey's voice is in my head...

My suggestion...sell the car and don't buy another one.

Before selling, try actually only using one car for a week. Hopefully, although it's more effort, you'll realize that you can get by with one. I hope this helps!

Savvy
by Savvy
Mon Feb 10, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's voice is in my head...
Replies: 70
Views: 7892

Re: vacation to Disneyworld

Great time (in terms of kids' ages) to go! 1. Look for the apps showing line times - I think one is about $7 but well worth it. We would plan our day ahead of time and then adjust according to the app line times. so helpful. If you're waiting in line for more than 45 minutes at any ride you've done ...
by Savvy
Mon Feb 10, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: vacation to Disneyworld
Replies: 23
Views: 2090

Re: How much financial support should you give your kids?

As someone that graduated from college two and 1/2 years ago, I can tell you that the money would be very, very appreciated. However, I think that receiving this gift on graduation could likely cost them the same amount or more in their lifetime if they rely on this money rather than their own hard ...
by Savvy
Sun Feb 02, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much financial support should you give your kids?
Replies: 53
Views: 3401

Re: Low Income Budget

Klarose - welcome to the forum! You will find lots of knowledgeable folks here.

Can you or your significant other look for a part-time job to boost your income?

I understand that you are not eager to earn a crazy amount of money, but think of it as savings for when you do have kids in the future.
by Savvy
Thu Jan 30, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income Budget
Replies: 70
Views: 5003

Re: Multiple Offers on House: Best and Final Bid Needed Toni

Can someone help me - I never understood the reasoning in submitting a bid to buy where the seller pays the closing costs. I've been a seller and If I got an offer like that I'd be inclined to tell them to stick it all things being equal. Just give me a clean offer with no monkeying around. I ain't...
by Savvy
Thu Jan 30, 2014 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Offers on House: Best and Final Bid Needed Tonight!
Replies: 38
Views: 3603

Re: Multiple Offers on House: Best and Final Bid Needed Toni

I read this thread long after the deadline passed. It wasn't much time to post on bogleheads the same day. I bought a high-end foreclosed home, more precisely an "REO" that was listed on MLS. The previous owners had been trying to sell it for about $1.6 million for 2 years before it got f...
by Savvy
Thu Jan 30, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Offers on House: Best and Final Bid Needed Tonight!
Replies: 38
Views: 3603

Re: UPDATE

We offered $184K, seller pays closing cost as our best and final offer. Just found out that a third buyer also submitted a bid, and we finished last of the 3 bids. I was very confident we'd get it since it was at $180K for 3 weeks before we submitted our bid. However, we don't feel too bad about no...
by Savvy
Wed Jan 29, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Offers on House: Best and Final Bid Needed Tonight!
Replies: 38
Views: 3603

Re: Multiple Offers on House: Best and Final Bid Needed Toni

If the OP's market is like our market, there really aren't bidding wars, just multiple-offer situations where each buyer is asked for highest-and-best. There is no second counter-offer, so it's not really a war where you are trying to one-up other buyers. We missed out on our first three highest-an...
by Savvy
Wed Jan 29, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Offers on House: Best and Final Bid Needed Tonight!
Replies: 38
Views: 3603

Re: UPDATE

We offered $184K, seller pays closing cost as our best and final offer. Just found out that a third buyer also submitted a bid, and we finished last of the 3 bids. I was very confident we'd get it since it was at $180K for 3 weeks before we submitted our bid. However, we don't feel too bad about not...
by Savvy
Wed Jan 29, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Offers on House: Best and Final Bid Needed Tonight!
Replies: 38
Views: 3603

Re: Train tickets in Italy-Wow!!

Have you considered flying? It may be cheaper.

Ryanair
Skyscanner
by Savvy
Wed Jan 29, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Train tickets in Italy [trouble booking with Trenitalia]
Replies: 22
Views: 2332

Re: Multiple Offers on House: Best and Final Bid Needed Toni

What we did was (I forget the exact wording; we worked with a Realtor who helped with the specifics) to offer something like "$X,xxx more than the next highest offer, but not to exceed $YYY,yyy". Just don't overbid to some extent that later you might regret it. RM I didn't that maneuver w...
by Savvy
Tue Jan 28, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Offers on House: Best and Final Bid Needed Tonight!
Replies: 38
Views: 3603

Re: Multiple Offers on House: Best and Final Bid Needed Toni

kenyan wrote:Don't make a counter offer based upon what you think someone else might be thinking, especially since you have no information about anyone else. Just make an offer that you are comfortable with for your family with your finances.


Thanks kenyan, well said and very true.
by Savvy
Tue Jan 28, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Multiple Offers on House: Best and Final Bid Needed Tonight!
Replies: 38
Views: 3603
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