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Re: Been invited to wedding in Disney World. My cost?

[...]IMO, A destination wedding means that a "generous" gift is not required. My nephew and intended are personally footing the wedding expense. They can "afford" it. :annoyed Says who? Ms. Manners? Mr. Manners? :oops: PS: FYI, I've been dinged once so I know you are incorrect. ...
by an_asker
Mon Apr 27, 2015 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 54
Views: 4558

Re: Does a home mortgage use Simple or Compund Interest?

Can someone explain how a home mortgage loan, fixed rate, works please? Is it simple interest or compund and if its compund would that be daily compound or something else? Thank you Someone bumped my blog post on this topic. I just noticed after 100+ replies there didn't seem to be a clear conclusi...
by an_asker
Mon Apr 27, 2015 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does a home mortgage use Simple or Compund Interest?
Replies: 136
Views: 11447

Re: Florida Prepaid vs. 529 vs. Both?

[...]Now I have no idea if the University of Florida has the highest tuition, but there is a good chance they do, being the "flagship" of the system.[...] Broken Man 1999 [...] nolesrule: You are up ;-) Hehe, someone noticed. I told my kids they can use their FPP anywhere they want, but t...
by an_asker
Fri Apr 24, 2015 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Florida Prepaid vs. 529 vs. Both?
Replies: 35
Views: 8149

Re: Florida Prepaid vs. 529 vs. Both?

Broken Man 1999 wrote:[...]Now I have no idea if the University of Florida has the highest tuition, but there is a good chance they do, being the "flagship" of the system.[...]
Broken Man 1999
[...]

nolesrule:

You are up ;-)
by an_asker
Fri Apr 24, 2015 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Florida Prepaid vs. 529 vs. Both?
Replies: 35
Views: 8149

Re: Marriage and splitting expenses

[...]Maybe a) he is in agreement with the majority here (whatever that is, I have not kept track) - so we are preaching to the choir and need not expect a response from him (or expect Mrs. OP to have a favorable view of Bogleheads) or b) he is in disagreement with the majority here (which explains ...
by an_asker
Fri Apr 24, 2015 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6807

Re: Marriage and splitting expenses

87 Posts - not one comment or response from the OP. Any wonder? :twisted: OP has responded twice. Yes, early on in the posting, nothing since yesterday at 12:41am. Agreed! Your response was #88 on the thread, so I wondered if you had missed his responses. Maybe a) he is in agreement with the majori...
by an_asker
Fri Apr 24, 2015 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6807

Re: Marriage and splitting expenses

Grt2bOutdoors wrote:87 Posts - not one comment or response from the OP. Any wonder? :twisted:

OP has responded twice.
by an_asker
Fri Apr 24, 2015 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6807

Re: Drive a local car, rent for trips ?

The car purchase thread got me wondering. My local car is a 2009 Vibe. great for driving up to an hour. (can reach both kids) But when I make a longer trip I rent something more comfortable from our local Enterprise. 600 mile 4 day weekend trips often average 45 cpm all up for a full size car. Does...
by an_asker
Thu Apr 23, 2015 11:56 am
 
Forum: Personal Consumer Issues
Topic: Drive a local car, rent for trips ?
Replies: 40
Views: 3023

Re: Marriage and splitting expenses

Trying not to be offended by the comments that if people don't wallow in the same bank account they are headed for divorce court. I suspect the wallowers are young, or got married young. Those of us who prefer some independence, I suspect, have seen more, learned some. 74 year old wallower here wit...
by an_asker
Thu Apr 23, 2015 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6807

Re: Marriage and splitting expenses

tphp99 wrote:[...]My wife likes to pay with cash, I hate standing in line to pay for anything and never carry cash. So... she pays for everything whenever we go out.[...]

This is a non sequitur, unless I am missing something here! What does standing in the line to pay have to do with paying with cash or not?
by an_asker
Thu Apr 23, 2015 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 6807

Re: Florida Prepaid vs. 529 vs. Both?

[...]Uh oh! My understanding was that the amount transferred to out-of-state school would equal what the plan would be paying if the kid attended a state school, not what we put in. We are in a serious amount of hurt if that is the case and our oldest follows through on his threat ;-) of a bigname ...
by an_asker
Thu Apr 23, 2015 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Florida Prepaid vs. 529 vs. Both?
Replies: 35
Views: 8149

Re: Florida Prepaid vs. 529 vs. Both?

Yes - Whatever the FL tuition rate is when the child goes to college (ex $400/hr), that amount is what will be paid to an approved out of state institution. We have now signed up for two 529 accounts. The differential fee price increases were horrible, raising the price from about $16k in 2008 to $...
by an_asker
Thu Apr 23, 2015 9:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Florida Prepaid vs. 529 vs. Both?
Replies: 35
Views: 8149

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 an_asker
Thu Apr 23, 2015 9:20 am
 
Forum: Personal Consumer Issues
Topic: Dealing with tourists taking photos. Etiquette question.
Replies: 34
Views: 3708

Re: Florida Prepaid vs. 529 vs. Both?

"I also like the idea that the FPP could be payed off in as early as 5 years, 55 months, and you're done. Future contributions, if any, go to the 529 plan". ------------------------------------------------------------------------------------------------------------------------------------...
by an_asker
Thu Apr 23, 2015 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Florida Prepaid vs. 529 vs. Both?
Replies: 35
Views: 8149

Re: Paying for GFs school - any way to help myself?

If I was in a moving towards marriage relationship with some guy making around 175k and he didn't want to pay 10k for my education, I wouldn't think he was a keeper. I would think he wasn't the type of generous person I'd want to spend my life with. The fact people are using the term "gold dig...
by an_asker
Wed Apr 22, 2015 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4665

Re: Paying for GFs school - any way to help myself?

PPS: I'm the reason we aren't engaged or married. I lost my mother (57yo) to cancer in December 2013 and that rocked my world. My S/O helped take care of my mother and we have been inundated for the past 16+ months organizing my mothers estate. I'm the type of Type A person that completely immerses...
by an_asker
Wed Apr 22, 2015 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4665

Re: One Spouse Outearning the Other?

TomatoTomahto wrote:[...]But, my wife had better not leave me for a flat-bellied younger guy with a full head of hair.

Don't go to Switzerland - I heard yesterday that Wawrinka is available!
by an_asker
Wed Apr 22, 2015 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: One Spouse Outearning the Other?
Replies: 64
Views: 5261

Re: Dealing with tourists taking photos. Etiquette question

Professor Emeritus wrote:
surfstar wrote:Image



+100 Nominee for post of the year

At first glance, I thought it was a pet grizzly ;-)
by an_asker
Tue Apr 21, 2015 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with tourists taking photos. Etiquette question.
Replies: 34
Views: 3708

Re: My professor gave me textbooks I later sold. Taxable?

DTSC wrote:Better still:

1. Get Tax ID as a sole proprietor business
2. Open solo 401K plan
3. Apply earnings to fund 401K

I think step #1 can be bypassed by using SSN.
by an_asker
Tue Apr 21, 2015 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: My professor gave me textbooks I later sold. Taxable?
Replies: 19
Views: 1053

Re: My professor gave me textbooks I later sold. Taxable?

Yes this has to be reported to be fully legal. You also need to pay the sales tax that wasn't charged on all online purchases you have made to also be fully legal... ... also, if you have any cash-back credit cards, your integrity has gone out the window because it appears that you were bribed into...
by an_asker
Tue Apr 21, 2015 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: My professor gave me textbooks I later sold. Taxable?
Replies: 19
Views: 1053

Re: One Spouse Outearning the Other?

I've switched the genders in the entire quote below. Are 'his' views OK? Well, the only example in the article is about two that are currently in early stage of relationship and not even committed to each other. At that stage, it might be ok with his views below: Brennan, a 30-year-old ultrasound t...
by an_asker
Tue Apr 21, 2015 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: One Spouse Outearning the Other?
Replies: 64
Views: 5261

Re: One Spouse Outearning the Other?

I've switched the genders in the entire quote below. Are 'his' views OK? Well, the only example in the article is about two that are currently in early stage of relationship and not even committed to each other. At that stage, it might be ok with his views below: Brennan, a 30-year-old ultrasound te...
by an_asker
Mon Apr 20, 2015 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: One Spouse Outearning the Other?
Replies: 64
Views: 5261

Re: Favorite Vacation/Trip

acejacksingh:

So where did you guys finally end up going to?
by an_asker
Mon Apr 20, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Favorite Vacation/Trip
Replies: 47
Views: 6108

Re: Don't come to Europe with a new chip and sign credit car

Last week I received my new Capital One Venture card with a chip. I am in Stockholm right now on business and there are all kinds of problems. I pity the folks coming to Europe this summer with a chip and sign credit card. It won't work 50% of the time. 1. Everyone here uses a chip and 4 digit code...
by an_asker
Wed Apr 15, 2015 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 50
Views: 6178

Re: New or Used Honda Odyssey

[...]I have not yet bought a new one but will so in the next month or so. True car is giving me a quote of just under $32k for the EX-L (I believe it is just leather seats, otherwise no non-standard packages, though the standard equipment is pretty much all you need). Try them out. My one gripe so ...
by an_asker
Thu Apr 09, 2015 1:06 pm
 
Forum: Personal Consumer Issues
Topic: New or Used Honda Odyssey
Replies: 36
Views: 2292

Re: New or Used Honda Odyssey

I vote for new. [...]I've not bought new cars before, just used ones, but previously the price differential has been much greater ($10k+) for cars that were 2 years or less old. Looks like the used car market has become more expensive.[...] You must definitely be at a different price point compared ...
by an_asker
Wed Apr 08, 2015 8:28 am
 
Forum: Personal Consumer Issues
Topic: New or Used Honda Odyssey
Replies: 36
Views: 2292

Re: Mystery of increasing wages, but decreasing federal with

Your itemized deductions are probably going lower. Maybe you have lower mortgage interest and your state taxes have dropped and you stopped contributing to charities? Also, your income causes some loss of child tax credits, doesn't it? Are you including FICA in withholding? That has changed, too. O...
by an_asker
Tue Apr 07, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Mystery of increasing wages, but decreasing federal withhold
Replies: 12
Views: 1356

Re: Help/advice with Europe trip (France+/-Greece)

OP: Just my 2 cents worth based on one trip to Paris and several to Greece. I think a big part of the decision will be your travel personality - are you a go-go-go type or are you the type that might spend a few hours a day at a sidewalk café just people watching. Put another way would you rather pu...
by an_asker
Fri Apr 03, 2015 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Help/advice with Europe trip (France+/-Greece)
Replies: 22
Views: 1388

Re: Failed Aeroflot booking: What to do?

Did you check out Norwegian? Though I don't know how much it would cost for you to get the closest point that Norwegian flies out of. A friend of mine recently went to Belgrade for less than $650 from Orlando. MCO-Oslo-MCO on Norwegian, then connecting flight to Oslo-Belgrade-Oslo on a completely d...
by an_asker
Thu Apr 02, 2015 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Failed Aeroflot booking: What to do?
Replies: 48
Views: 2611

Re: Failed Aeroflot booking: What to do?

Did you check out Norwegian? Though I don't know how much it would cost for you to get the closest point that Norwegian flies out of. A friend of mine recently went to Belgrade for less than $650 from Orlando. MCO-Oslo-MCO on Norwegian, then connecting flight to Oslo-Belgrade-Oslo on a completely di...
by an_asker
Thu Apr 02, 2015 11:23 am
 
Forum: Personal Consumer Issues
Topic: Failed Aeroflot booking: What to do?
Replies: 48
Views: 2611

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: 2419

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: 2081

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: 27
Views: 5180

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: 5299

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: 12620

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: 2698

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: 3553

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: 3553

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: 3553

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: 3553

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: 3553

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: 2969

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: 2244

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: 417

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: 3155

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: 2582

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: 3251

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: 3251

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: 5011

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: 5011
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