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Re: Child's prenup

Not an issue yet but getting close for our child. When does it make sense to have your child do a prenup before they get married? Should something happen to us, we sure would not want our $ going to someone in a childs failed marriage. Unfortunate but in today's world maybe quite necessary. This th...
by an_asker
Tue Mar 31, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Child's prenup
Replies: 19
Views: 2350

Re: Orbitz vs Expedia vs Delta

At the very least, check out the following before buying (I bet there are more):

- kayak
- orbitz
- skyscanner
- airline's website
- tripadvisor.com/cheapflighthome
- priceline
- expedia
by an_asker
Tue Mar 31, 2015 10:53 am
 
Forum: Personal Consumer Issues
Topic: Orbitz vs Expedia vs Delta
Replies: 22
Views: 1856

Re: Bear market warning sign

I just invested some (new) money into: - European equities - Fixed interest (UK corporate bonds BBB and above credit rating) Also switched some money into Emerging Markets. This is all to do with our tax year, which ends 5th April 2015. There's a distinguished history of my investments being follow...
by an_asker
Tue Mar 31, 2015 8:25 am
 
Forum: Investing - Theory, News & General
Topic: Bear market warning sign
Replies: 19
Views: 3117

Re: Boglehead degree status

EmergDoc wrote:I think I'm still somewhere in high school PE class.

Thankfully, I am not in PE and don't want to go back there either!! As long as EmergDoc is at hand, sign me up for slapstick comedy, VictoriaF.
by an_asker
Fri Mar 13, 2015 3:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead degree status
Replies: 52
Views: 4884

Re: Dip? What Dip? Did you catch it?

Livesoft:

Looks like there will be more chances!
by an_asker
Fri Mar 13, 2015 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Dip? What Dip? Did you catch it?
Replies: 134
Views: 11762

Re: Buying Euro for Vacations?

I asked a similar question recently. Because of inertia (more or less), I followed the advice of the first response I got. As of now, I've done good! :-)

YMMV with the Euro.
by an_asker
Fri Mar 13, 2015 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying Euro for Vacations?
Replies: 33
Views: 2495

Re: An arm and a leg ... for a middle finger?

Appreciate all the responses. Keep them coming. I will take the suggestions made here and apply them going forward for sure! There are doctors and there are doctors. I have complained about my old PCP on other threads. Since I started reading in the media (including Bogleheads) about medical overbil...
by an_asker
Fri Mar 13, 2015 8:52 am
 
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3451

Re: An arm and a leg ... for a middle finger?

Son hurts one of his fingers playing catch with a football. Goes to Doctor A in Orthopedic group practice. Dude takes an X-ray and says that he's chipped the bone in the finger. Out of pocket bill (HDHP) = $170. Follow up visit four weeks later, and another $120. Needless to say, I am upset with ki...
by an_asker
Thu Mar 12, 2015 9:08 pm
 
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3451

Re: An arm and a leg ... for a middle finger?

earlyout wrote:Maybe you can be glad it didn't require surgery.[...]

We are yet to get to that bridge, let alone cross it :-(
by an_asker
Thu Mar 12, 2015 8:22 pm
 
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3451

Re: An arm and a leg ... for a middle finger?

mhc wrote:In the future you should ask the cost up front.

With an HDHP, would they know? Besides, wouldn't it depend on the tests/X-rays performed and the diagnosis? I don't think we have a flat rate system yet! :-(
by an_asker
Thu Mar 12, 2015 7:23 pm
 
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3451

An arm and a leg ... for a middle finger?

Son hurts one of his fingers playing catch with a football. Goes to Doctor A in Orthopedic group practice. Dude takes an X-ray and says that he's chipped the bone in the finger. Out of pocket bill (HDHP) = $170. Follow up visit four weeks later, and another $120. Needless to say, I am upset with kid...
by an_asker
Thu Mar 12, 2015 6:47 pm
 
Forum: Personal Consumer Issues
Topic: An arm and a leg ... for a middle finger?
Replies: 32
Views: 3451

Re: 15 or 30 year mortgage?

My husband had inherited a large windfall and we are now looking to purchase our first home. We had met with financial advisors who suggested that rather than buy our home in cash, we put 50% or less down and instead invest our money elsewhere at a higher return. We feel comfortable putting down 50...
by an_asker
Tue Mar 10, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 or 30 year mortgage?
Replies: 37
Views: 2740

Re: Adult Music Lessons

I'm in my 40's and do not know one iota about playing an instrument or reading sheet music, but it's something I would like to try. I was thinking about taking piano lessons (we have a piano at home). They would run anywhere from $80-100/mo. Do you think it's worth it? Or is piano something you can...
by an_asker
Tue Mar 10, 2015 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Adult Music Lessons
Replies: 30
Views: 2100

Re: Daycare - 501c3 and paying to hold a spot

Is it legal for them to charge full tuition for a held spot, since as a 501c3 they are not allowed to turn a profit? Yes. They're not charging you to hold a spot, they're charging for daycare that you aren't going to use. They have an opening now and aren't willing to hold it for when you want it, ...
by an_asker
Tue Mar 10, 2015 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Daycare - 501c3 and paying to hold a spot
Replies: 4
Views: 393

Re: The salary you must earn to buy a home: $48,603.82

The salary you must earn to buy a home: $48,603.82

What differs, based on location, is how often you need to earn that salary! :oops:

Maybe once a year in the midwest; twice a year in FL and every month in the Bay Area! ;-)
by an_asker
Tue Mar 10, 2015 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: The salary you must earn to buy a home: $48,603.82
Replies: 24
Views: 3008

Re: Newbie and how to manage a large inheritance

Minou33 wrote:[...]I have a personal brokerage account that I opened when the market was at rock bottom and my small investment back then has since more than doubled.[...]

Before you pat yourself on the back, do note that the market has tripled since its bottom in 03/2009.
by an_asker
Tue Mar 10, 2015 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie and how to manage a large inheritance
Replies: 21
Views: 2553

Re: How many really understand how investing works?

rocko wrote:an_asker: Actually, I've been following cattle and hearsay during my investing journey :)

To a true boglehead, that is heresy! ;-)
by an_asker
Tue Mar 10, 2015 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: How many really understand how investing works?
Replies: 37
Views: 3159

Re: How many really understand how investing works?

I don't. It scares me to know that I don't really understand how the stock and bond markets work. Sure, I get the basic, surface stuff (diversification, AA, risk/rewards, etc) but I am no expert and yet I have been willing to place much of my life savings in this system... partially because of the ...
by an_asker
Tue Mar 10, 2015 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: How many really understand how investing works?
Replies: 37
Views: 3159

Re: Fly or drive?

OpenRoad wrote:We make a yearly trip to Florida every year(900+ miles) with three kids under 4.[...]

Every year? At max, you can do so twice - unless you have a set of twins or triplets ;-)

[edited to add]: Whoops, I have left off other non-obvious options. D'uh! :oops:
by an_asker
Mon Mar 09, 2015 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 4590

Re: Fly or drive?

It's been a while, but ... we've driven from central FL to NJ and back with a three-year old one time; and then from central FL to DC and back with two bickering siblings another time (a few years later, of course). So ... - is it doable? Yes. - would we do it again? Of course. - should YOU do it? I...
by an_asker
Mon Mar 09, 2015 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 4590

Re: Does My Daughter Need A Prenup?

-I think the reason that some are pushing back against the OP is not his OP. It's his 2nd post ITT about whether it is his daughters' decision or his decision. -Whoever just suggested that he talk to a lawyer and his daughter and not us is probably most correct. That makes sense. I think OP should ...
by an_asker
Fri Mar 06, 2015 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 6022

Re: Does My Daughter Need A Prenup?

[...]Would you mind elaborating? I am asking because a) I am curious and b) most here (other than you) appear to be giving that overly-simplified legal advice as well. I am a lawyer, though I do not work in family law. I am not certain what the result is state-by-state, but it is virtually never th...
by an_asker
Fri Mar 06, 2015 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 6022

Re: Taxable account has unrealized loss after increase in va

Based on your follow-up posts, it sure appears that regular trading is happening on this account. We just need nisiprius (or someone else) come by with a couple of graphics showing what an alternative investment in VFINX (or some such) would've done in the same timeframe. Let me put it this way - wi...
by an_asker
Fri Mar 06, 2015 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable account has unrealized loss after increase in value?
Replies: 10
Views: 536

Re: Does My Daughter Need A Prenup?

The OP didn't come here asking "Is it OK for me to butt into my daughter's potential marriage?" or "Should I try to stir things up?". He came and asked a question "Does my daughter need a prenup?". And he got the answer he needed: No. Then continued to ask if his daugh...
by an_asker
Fri Mar 06, 2015 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 6022

Re: Does My Daughter Need A Prenup?

The OP is looking for a constructive advice; not for cheerleading, reprimand, or an opinion poll. The OP's family has a much greater wealth, the OP's daughter has a much higher income, and he understandably wants to protect the family wealth and the daughter's well-being. The future son-in-law bein...
by an_asker
Fri Mar 06, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 6022

Re: Wife tired of saving...

If your wife wants that bigger house now, the college your kids go to five, ten or 15 years down the road does not matter! :oops: Trust me on this :-)
by an_asker
Fri Mar 06, 2015 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19252

Re: Does My Daughter Need A Prenup?

[...]We are trying to protect family wealth. But yeah, there is some overlap, unfortunately. But the world is not perfect and marriage is one of the biggest financial risks one can take. As a longtime Boglehead, I can't imagine not having a good discussion about this would not be something we all s...
by an_asker
Fri Mar 06, 2015 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 6022

Re: 2 comma club (my way)!!

Hi, As usual, thanks to all who have helped me in so many ways that I cannot count or list! No, okay then...........If I must list, then some which come to my mind are; Nisi, livesoft, Emergdoc, retiredjg, Taylor,cruncher, ladyGeek,grok87,VictoriaF, grabiner,Frugalinvestor,gkaplan, bertilak, abus 3...
by an_asker
Fri Mar 06, 2015 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 49
Views: 7790

Re: My first $100K!

Congratulations - are you gonna write to the admin to change your username? ;-)
by an_asker
Fri Mar 06, 2015 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: My first $100K!
Replies: 17
Views: 2076

Re: Real estate frustration in finding a new home

dailybagel wrote:[...]Coming from the New York City metro area, I'd kill for a 2-bedroom at $450k.[...]<sigh>

Please don't come to Florida - you will decimate us! ;-)
by an_asker
Fri Mar 06, 2015 11:24 am
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2449

Re: Does My Daughter Need A Prenup?

I have a modest proposal to rectify this situation; a jump-on-the-grenade for you, if you will... I will happily receive any inheritance in order to negate the discussion of a pre-nup. This will solve all of your family issues and everyone will live happily ever after. You're welcome. :mrgreen: OP ...
by an_asker
Fri Mar 06, 2015 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 6022

Re: Does My Daughter Need A Prenup?

[...]BTW my husband did ask me if I was willing to sign a pre-nup. I said yes. He never followed through. He told me later that he was just making sure I wasn't interested in his money. I wasn't insulted. Had the roles been reversed I'm not sure that I would have been as generous as he was. Which o...
by an_asker
Fri Mar 06, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 6022

Re: Loaning a Friend Money for Downpayment

So here is the situation. Let's just say I have a friend who is buying a house and doesn't have enough money for a down payment because his current job (physician resident) pays very little and his new job coming up in 4 months pays very well, as well as receiving a large bonus once he starts. I ha...
by an_asker
Fri Mar 06, 2015 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Loaning a Friend Money for Downpayment
Replies: 20
Views: 1431

Re: Wife tired of saving...

[...]As for my goals....honestly, I was dumbfounded...there was no end goal. It was to sock away as much as u can. Dont get me wrong, we are nowhere frugal. We drive nice cars, furnished the home well, buy good clothes, shoes, eat out, drink fine liquor, travel like crazy etc....whatever someone wh...
by an_asker
Fri Mar 06, 2015 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19252

Re: Does My Daughter Need A Prenup?

It sounds to me like your daughter is capable of making the decision on her own without pressure or prompting. I guess the bigger question is whether it really is HER decision or OUR (including wife and) decision. Seriously?? Of course it is her decision. Yep it's certainly her decision but you can...
by an_asker
Fri Mar 06, 2015 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 6022

Re: Real estate frustration in finding a new home

Good Morning Bogleheads! I need advice. I'm relocating to Colorado in the next few months. I've been looking online at homes for 3 years, as we've wanted to move there for sometime. Many trips. The problem I'm encountering is that any Realtor I've used, just sends me portals, or MLS listings, and e...
by an_asker
Thu Mar 05, 2015 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Real estate frustration in finding a new home
Replies: 33
Views: 2449

Re: Mid Size used Sedan - Recommendation Needed

harrychan wrote:I would vote for nissan altima.

+1.
by an_asker
Thu Mar 05, 2015 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mid Size used Sedan - Recommendation Needed
Replies: 8
Views: 529

Re: If you have $1 million...

In before the lock.

Also, shouldn't you be defining the 'nice new car'? ;-)

Plus, big difference between having $1 million at 30 vs. at 90!!
by an_asker
Thu Mar 05, 2015 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you have $1 million...
Replies: 65
Views: 6258

Re: Favorite Vacation/Trip

Hi BHs, Some friends and I are planning a trip this summer and I'm looking for Boglehead ideas! We're all under 30 and would like to keep it under $2500 (or less) for a week long trip (that includes flights, hotel, etc.) Most of us are located up and down the East Coast (mostly in DC). Pretty much ...
by an_asker
Thu Mar 05, 2015 1:45 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 40
Views: 4534

Re: Wife tired of saving...

sls239 wrote:
i think this is one of the warning signs of breaking away from the long term goal


What is the long term goal?

Thank you for reiterating that question - OP is yet to answer it (though it has been asked a few times already on this thread).
by an_asker
Thu Mar 05, 2015 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19252

Re: Wife tired of saving...

[...]I like the song from Porgy and Bess; "They say that Methuselah lived 900 years. But who calls that livin' when no gal will give in to no man what has 900 years?" :shock:[...] (American) Culturally semiliterate here. Who came first? "Porgy and Bess" or Anna Nicole Smith? If ...
by an_asker
Thu Mar 05, 2015 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19252

Re: Wife tired of saving...

If I can't buy my wife the car she wants when I have $2 million in the bank, then what is the point? I think the wife may be an equal player in this game, not a subsidiary or dependent as this language tends to imply... My wife is an equal, if not better, player in my game. She currently makes more...
by an_asker
Thu Mar 05, 2015 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19252

Re: Wife tired of saving...

If I can't buy my wife the car she wants when I have $2 million in the bank, then what is the point? I think the wife may be an equal player in this game, not a subsidiary or dependent as this language tends to imply... My wife is an equal, if not better, player in my game. She currently makes more...
by an_asker
Thu Mar 05, 2015 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19252

Re: Wife tired of saving...

We were in an exactly similar situation 2 years ago. Two kids and we are about same age as you. We were living in a townhouse, and it was enough house from my POV. But, DW wanted a bigger single family home in the same school district. DW is extremely frugal compared to me, but she didn't want to c...
by an_asker
Thu Mar 05, 2015 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19252

Re: Wife tired of saving...

[...]My wife' s sister + family also seem to enjoy their money and have told us few times that if they had our kinda money, they would have lived way better. To appease my wife somewhat, last year we changed one of our cars to a 2012 Lexus RX 350. Now she wants me to change our 2009 camry to a BMW....
by an_asker
Thu Mar 05, 2015 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19252

Re: Can I afford it?

harrychan wrote:You can't afford it but your wife can.

+1.

Also, we cannot tell you whether she will let you use it - you'll need to ask her ;-)
by an_asker
Tue Mar 03, 2015 9:55 am
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 5647

Re: Favorite Vacation/Trip

Hi BHs, Some friends and I are planning a trip this summer and I'm looking for Boglehead ideas! We're all under 30 and would like to keep it under $2500 (or less) for a week long trip (that includes flights, hotel, etc.) Most of us are located up and down the East Coast (mostly in DC). Pretty much ...
by an_asker
Fri Feb 27, 2015 11:48 am
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 40
Views: 4534

Re: Property assessment increase after purchase

Well, I was under the assumption the reset was only bumping the taxable up to the assessed/sev value, not bumping up the assessed value up 15% which will now increase my tax base going forward next year. I think my main issue is just the idea that now I will be paying 15% more (at least) than my ne...
by an_asker
Fri Feb 27, 2015 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Property assessment increase after purchase
Replies: 30
Views: 1797

Re: Nearing 40 and Never Invested

As I said I am brand new to investing but I'm trying to learn as much as possible as quickly as possible and it's my understanding that when you're younger you're supposed to be more agressive with your allocation (more stocks than bonds) so that you can maximize your growth. I will most likely not...
by an_asker
Fri Feb 27, 2015 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Nearing 40 and Never Invested
Replies: 55
Views: 5411

Re: How does one increase their typing speed and accuracy?

sls239 wrote:Yes, there should be little ridges on the "F" and "J" keys. There should also be one on the 5 of a 10 key set-up on the side.[...]

Wow! Nearly three decades of constant use of the keyboard and I never noticed those! :oops:
by an_asker
Fri Feb 27, 2015 11:04 am
 
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 4167
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