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by beachplum
Wed Apr 08, 2015 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 17582

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

hi, In Defense of a Liberal Arts Education by Fareed Zakaria: http://abcnews.go.com/ThisWeek/video/fareed-zakaria-defends-liberal-arts-education-29990282 I have no particular bias one way or the other on what a student wants to major in and think way too many here are obsessed with this. One of my d...
by beachplum
Tue Apr 07, 2015 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 17582

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

I find the suggestion that one should determine the college list based on PSATs incomprehensible. For that matter, I wouldn't base it on SAT or ACT scores either. TomatoTomahto, Why not?? Those are easy tests. If someone cannot even rank among their peer at the top 96% for those easy tests, why bot...
by beachplum
Tue Apr 07, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 17582

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

If you can easily afford elite college/university tuition (you are on track for retirement savings etc) and your not hesitant to spend that kind of money then do it. beachplum, Even if the parent can afford it, the parent may not want to do that too. How would you like you kids to study at the scho...
by beachplum
Tue Apr 07, 2015 12:23 pm
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 257
Views: 23706

Re: Do you think Ric Edelman is correct, never pay dow mortg

Used a windfall to pay off mortgage 3 years ago while husband and I were in our mid to upper 50s. The number one advantage to having done this is that we can now afford to fully fund 401Ks, HSA's and IRA's. And I love knowing that I will not have ended up paying more for my house then what I paid f...
by beachplum
Tue Apr 07, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 17582

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

If you can easily afford elite college/university tuition (you are on track for retirement savings etc) and your not hesitant to spend that kind of money then do it. But personally I don't think any school (in this case undergraduate) is worth going into tremendous amount of debt(for either parent o...
by beachplum
Sat Mar 21, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 8296

Re: Where to retire in New England?

Lifelong resident here- I dream of a small bustling town on the water for retirement- somewhere I can get an old house, walk to town, eat at a good restaurant, buy nice coffee, walk my errands and still see the boats and get to a quiet beach. I've identified Portsmouth (young and vibrant), Newburyp...
by beachplum
Sat Mar 21, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 8296

Re: Where to retire in New England?

Lifelong resident here- I dream of a small bustling town on the water for retirement- somewhere I can get an old house, walk to town, eat at a good restaurant, buy nice coffee, walk my errands and still see the boats and get to a quiet beach. I've identified Portsmouth (young and vibrant), Newburyp...
by beachplum
Thu Mar 12, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: Where to retire in New England?
Replies: 101
Views: 8296

Re: Where to retire in New England?

Well I've been living in the burbs of Boston since 92, went to college in NH and camp in the berkshires for many years, know Burlington, VT area very well after subsidizing the young Vermonter university students for 8 straight years, and spend summers in CT. I too would like to know where to retire...
by beachplum
Fri Mar 06, 2015 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 3126

Re: Buy home in area with only good PK-8 public schools?

It sounds like you are looking on the North side of chicago :D if so, you can read on for my opinion... We chose to buy in Chicago before even wanting to have kids, so our priorities were location, safety, and home style/size. Have loved our neighborhood and it is a wonderful place to live. I don't...
by beachplum
Fri Feb 27, 2015 6:44 pm
Forum: Personal Consumer Issues
Topic: How does one increase their typing speed and accuracy?
Replies: 70
Views: 4877

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

I would tell you to enroll in Katharine Gibbs Entre program, but it no longer exists. practicing for long periods of time every day and the pressure to meet goals set by that program I was in (entree) did it for me. In a former life I actually taught typing skills to high school students and communi...
by beachplum
Tue Feb 24, 2015 5:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter (MA)
Replies: 130
Views: 9967

Re: Master Thread for Boston's Chapter (MA)

Boston's chapter next meeting will be on Feb 28th, starting at noon, at the Burtons Grill in Burlington: http://site.burtonsgrill.com/stores/burlington-ma/ Current running list (18 attendees): siamond mikef40320 zelda marielake bh10 crg11 chabil wellfleet timoneer etarini The Wizard dlord88 Dineros...
by beachplum
Tue Feb 24, 2015 12:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter (MA)
Replies: 130
Views: 9967

Re: Master Thread for Boston's Chapter (MA)

I can't figure out how to add my name to the list, so I will post here that I will try to attend this Saturday so please add me to the list.

thanks,

beachplum
by beachplum
Thu Oct 16, 2014 11:29 am
Forum: Personal Consumer Issues
Topic: How to wrap my head around downsizing my home?
Replies: 47
Views: 3943

Re: How to wrap my head around downsizing my home?

[url]If you can narrow to a couple neighborhoods of Boston, minimum bd/ba, Max. price, proximity priorities, accessibility needs, and any special interests you have (large modern kitchen, higher ceilings for artwork, etc.) , then just type up a list and take it to a meeting with a realtor in the ci...
by beachplum
Fri Aug 08, 2014 3:48 pm
Forum: Personal Consumer Issues
Topic: Medical Health screening
Replies: 15
Views: 1118

Re: Medical Health screening

I'd avoid anything weird the few days before the exam. If you aren't normally vegan, I wouldn't do that just before the test. TRUE STORY: US rates of diverticulosis and diverticulitis soared the last few years. Seems the "gluten-free" craze has the side effect of reducing fiber in the die...
by beachplum
Sun Jul 27, 2014 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Selling House - Do We Need a Listing Broker?
Replies: 61
Views: 3086

Re: Selling House - Do We Need a Listing Broker?

You know the real estate market in your area better than anyone on this board. If you live in an area where houses are in high demand you should have no problem selling on your own however you need to do your homework as others have pointed out. I think some of the opinions here are biased and conne...
by beachplum
Wed Jul 23, 2014 9:38 am
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 7532

Re: Options/guidance for a lazy person to be fit

What works for me is doing an activity I love (contra dancing) 2x a week for a total of 5 hours plus cutting back on sweets. When not dancing I luv to walk or go for a bike ride and strength training in the past has always helped. No matter the opinions expressed here diet and vigorous exercise work...
by beachplum
Fri Jun 13, 2014 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Rent Question
Replies: 12
Views: 1824

Re: Rent Question

Looking for some feedback from all of you savvy individuals. The apartment requires a 12-month lease (fine), ~1-month security deposit depending on credit (fine), and 1-month broker fee (standard in this market). Given it hasn't rented and the owner is looking to rent for 7/1, I was thinking of say...
by beachplum
Wed Jun 11, 2014 11:21 am
Forum: Personal Finance (Not Investing)
Topic: College & PhD vs $250k working
Replies: 104
Views: 7981

Re: College & PhD vs $250k working

Financially, a PhD in STEM isn't necessarily a great decision. It's a lot of extra work, and it won't necessarily payoff in the end, even though you're stuck living as a grad student for a long time. It's true about the ceiling being higher, but that really depends upon your industry. In some indus...
by beachplum
Thu Jun 05, 2014 11:09 pm
Forum: Personal Consumer Issues
Topic: Commute to elementary school [French language spoken]
Replies: 37
Views: 3012

Re: Commute to elementary school [French language spoken]

I'm wondering how your children will learn to read and write in English if all their classes would be in french at the private school.
by beachplum
Mon Jun 02, 2014 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: should I buy real estate in Boston area? How much to spend?
Replies: 31
Views: 2856

Re: should I buy real estate in Boston area? How much to spe

Both the girlfriend and I work in Cambridge. Somerville and Cambridge are simply too expensive for me. What about this place? http://www.zillow.com/homedetails/50-Bacon-St-Watertown-MA-02472/2130198137_zpid/ too expensive? I think the townhouse is very nice inside. Not so sure of the location. I re...
by beachplum
Mon Jun 02, 2014 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: should I buy real estate in Boston area? How much to spend?
Replies: 31
Views: 2856

Re: should I buy real estate in Boston area? How much to spe

[quote="deuceplus"]In the Boston area real estate is booming, particularly anything within 10-15 miles from Boston proper. Many houses in towns such as Arlington, Newton, Watertown and Lexington are now selling for more than during the previous top 2005/2006 even after adjusting for inflat...
by beachplum
Wed Apr 23, 2014 10:55 am
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 19530

Re: Where would you retire, if $ were no object?

nisiprius wrote:Image


Oh I used to eat at that diner in Albany. It was the best back in the early 80's.
by beachplum
Fri Mar 28, 2014 11:43 am
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 3158

Re: Phone calls trying to sell me stocks

Received a phone call the other day from a company wanting to give me a stock tip on MCIG. the number was 310 775-2033. I told them I didn't buy individual stocks and to put me on their "do not call list".
by beachplum
Wed Mar 26, 2014 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 72
Views: 17071

Re: Tough college choice

DanDav - I think the issues are more connected than you state. If my daughter learns better in smaller classes, then the size of the school (assuming it relates to the number of kids in classes) is a factor to how good an education she will get. But the main issue is as you state - Where will she g...
by beachplum
Wed Mar 26, 2014 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Daretobedull--Allan Roth
Replies: 14
Views: 2697

Re: Daretobedull--Allan Roth

Allan set my husband and I on the right course financially after years of throwing away money to a previous financial advisor. He was so good at it, that I have not needed to pay him for advice, or anyone else, in two years. I also continue to read his blogs for free advice. For now I'm comfortable ...
by beachplum
Wed Mar 26, 2014 9:32 am
Forum: Personal Finance (Not Investing)
Topic: "Spinning Off" my 20 Year Old Son
Replies: 71
Views: 7041

Re: "Spinning Off" my 20 Year Old Son

I guess I didn't make this clear. It's not that I want to disown him. I am thinking about this from a liability perspective mainly. He would get his own car and health insurance. It's something that will happen in 3 years anyway. And if he got into a bind, of course we'd rescue him just as we would...
by beachplum
Tue Mar 25, 2014 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 72
Views: 17071

Re: Tough college choice

A friend of mine's two daughters graduated from a private four year college with a similar major and ended up working in stores doing jobs that high school grards do. A friend of mine's daughter graduated and eventually became the store manager of a major department store, then manager of the flags...
by beachplum
Mon Mar 24, 2014 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 72
Views: 17071

Re: Tough college choice

My daughter is a senior in high school and we're trying to decide between two schools that offer a certain program. She wants to major in fashion merchandising and wants to go to a school that has a joint program with the Fashion Institute of Technology (she'd spend 1 year in NYC going to FIT). The...
by beachplum
Wed Mar 19, 2014 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Supporting Family Members
Replies: 30
Views: 1906

Re: Supporting Family Members

Retread wrote:
DireWolf wrote:A good way to avoid the taxation problem is to directly pay for things like their mortgage, car payment, bills, etc. No tax obligations with this strategy.

Wow! This is one of the worst pieces of advice I've ever seen. Please refrain from giving tax advice which amounts to fraud.
Bruce
by beachplum
Tue Mar 18, 2014 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 4566

Re: Your thoughts on vacation home or second home

My husband and his sister inherited a seasonal beach cottage (no mortgage) literally over a marsh/water that overlooks the CT side of Long island Sound. We love it for sentimental reasons and spend as much time as possible there from may to October. However, I would never ever buy property that clos...
by beachplum
Tue Mar 11, 2014 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 6436

Re: Buy vs rent no longer relevant?

The attitude towards home ownership is full of cognitive biases: - The real estate industry, with its powerful lobby and strong community ties, emphases the advantages of the ownership and suppresses discussions of drawbacks. - A homeowner focuses on the tax savings and dismisses occasional high ex...
by beachplum
Tue Mar 11, 2014 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 6436

Re: Buy vs rent no longer relevant?

I'm currently in the market for a home purchase, but the numbers just don't jive. A decent 2 bd/ 2 ba condo are selling (quickly) for ~$400k + HOA = $2400/mo . But the EXACT same place currently rents for $1800 ! So by not buying, I'm re-allocating $600/mo and my $80k down-payment to other investme...
by beachplum
Mon Mar 10, 2014 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: How do I stop worrying about money?
Replies: 72
Views: 9275

Re: How do I stop worrying about money?

Zytos wrote:Take a break from this board.


That and stop reading all the articles written in magazines every month. Meditation mentioned above. And Cognitive therapy if if you need more.
by beachplum
Mon Mar 10, 2014 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Certificates of Deposit alternatives?
Replies: 20
Views: 2097

Re: Certificates of Deposit alternatives?

I can't help you with alternatives, but When it comes to investing my money in CD's, I look for those that have the lowest penalty for breaking them for when I find another CD that has a higher interest rate. I did just that back in January when I broke 5 cds with Ally that were earning 1.89% and pu...
by beachplum
Sun Mar 09, 2014 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Budget for 21 Year Old
Replies: 15
Views: 3828

Re: Budget for 21 Year Old

I don't mean to pick on you, but was it necessary to purchase a $2700 dollar computer? I don't know what your computer needs are, but my daughter just purchased an Apple Macbook pro with 8gb for around $1,000 dollars. She got 200 off for being a student and didn't need any fancy software other then ...
by beachplum
Thu Mar 06, 2014 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: College admission and high school
Replies: 21
Views: 1315

Re: College admission and high school

Crack under pressure? That's amusing. I don't know. My kids have had 4 hours a night of homework since the 6th grade. SAT/ACT are the great equalizers. If a student went to Boston Latin (exam to get in public school....usually #1 in the state), his SAT is likely better than a similarly ranked stude...
by beachplum
Thu Mar 06, 2014 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: College admission and high school
Replies: 21
Views: 1315

Re: College admission and high school

Crack under pressure? That's amusing. The pressure will unlikely come from academics, but may come from sports, band, prom, drugs, etc. I forgot to emphasize that a high school where all the kids go to college will have enough guidance counselors and meetings to make sure kids are on track for coll...
by beachplum
Wed Mar 05, 2014 6:10 pm
Forum: Personal Consumer Issues
Topic: Trip through New England
Replies: 39
Views: 1802

Re: Trip through New England

Thanks for the replies everyone. The Freedom Trail and Faneuil Market are on our list of possibilities. We also considered an evening dinner cruise off the harbor. Is there one you would recommend? Just walk through faneuil market on your way to the north end, don't stop to eat at the market. Forge...
by beachplum
Tue Mar 04, 2014 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: NJ teen sues her parents for financial support
Replies: 3
Views: 802

Re: NJ teen sues her parents for financial support

http://www.nj.com/morris/index.ssf/2014/03/judge_issues_ruling_in_teens_suit_against_parents.html The fact that this case may go to trial is a little disturbing. I always believed that once a child turns 18, the parents have zero liability to provide any financial support or housing. I'm not saying...
by beachplum
Mon Mar 03, 2014 2:25 pm
Forum: Personal Consumer Issues
Topic: The Oscars
Replies: 25
Views: 1748

Re: The Oscars

I found myself a bit teary eyed during some of it (sad over the loss of some very talented artists for one). Loved the tribute to the Wizard of OZ, though would have liked to see Liza Minelli on stage. Loved the best supporting actor and actress speeches and that Kate Blanchette( even though I'm a b...
by beachplum
Wed Feb 26, 2014 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 7960

Re: Do children become less expensive as they grow up?

Also, I am a true believer that people make better decisions when they have some skin in the game. Knowing you have student loans to pay back can be good motivation to study hard and stay out of trouble. In the event that our kids do work hard and make good decisions, we may choose to reward them a...
by beachplum
Tue Feb 25, 2014 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 7960

Re: Do children become less expensive as they grow up?

If I had to do it all over again, I would not have let my daughters get so involved in figure skating. THankfully I got one to quit when she started high school, and I didn't spend 20k a year (they were never going to the olympics), and grandpa helped in the later years. Totally ridiculous amounts ...
by beachplum
Tue Feb 25, 2014 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 7960

Re: Do children become less expensive as they grow up?

In the kids' high school senior year, one of the teachers at a financial aid application meeting encouraged us to limber up that ol' check writing arm. I now know she wasn't joking. Our state requires a four year undergrad degree and a masters' for teaching above the elementary level. OK, five year...
by beachplum
Tue Feb 25, 2014 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 7960

Re: Do children become less expensive as they grow up?

Here is what you don't have now. Hockey traveling team. Ice skates for your figure skater at $700 a pop (2012 prices) - that's without blades ($300). [Did you know that feet grow?] Coaching is by the half hour, say $50 - $75 (it's been a long time for me, but Olympic coaches don't come cheap). And ...
by beachplum
Mon Feb 24, 2014 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: What's the Appropriate Net Worth by % for a 27 year old?
Replies: 78
Views: 9987

Re: What's the Appropriate Net Worth by % for a 27 year old?

I keep telling anyone who will listen it's not that hard to save up this type of money. Get a STEM degree from a state school and you'll be guaranteed a job when you graduate making 60-80k, 10% raise within 1 year, 3% raises per year, another 10% bump after 4-6 years and then nothing ever again :) W...
by beachplum
Wed Feb 19, 2014 4:08 pm
Forum: Personal Consumer Issues
Topic: Please Help Me Find A Doctor
Replies: 23
Views: 1940

Re: Please Help Me Find A Doctor

I live in MA and my daughters who live in Boston both use the doctors at Harvard Vanguard, one in Cambridge and the other at the Kenmore facility. But they have offices all over. Mainly you want a dr who is board certified as an internist and affiliated with a good hospital and has at least a few ye...
by beachplum
Wed Feb 19, 2014 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 8292

Re: How to invest $1.4 mil inheritance?

It seems to me that the issue of whether to put all the money together is a semantic issue rather than a real issue. Of course we (and all smart people) consider the entirety of their assets as one big pot on some level, making sure not to deviate from their general investment strategy when conside...
by beachplum
Tue Feb 18, 2014 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 14217

Re: Skip IRA for 1 year to buy engagement ring

watch a month of Suzie Orman (saturday's at 9 on cnbc) and get a little educated on money and relationships and the importance of saving for retirement and living on a budget.
by beachplum
Sun Feb 16, 2014 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 8292

Re: How to invest $1.4 mil inheritance?

Interesting that so many are suggesting to pay off the $400K mortgage. Not something I had really thought of. Very cheap $$$ (can't remember the rate but I think low 3's%), + major tax benefits to keeping mortgage. Why pay it off? When my husband received a windfall, the one thing our advisor insis...
by beachplum
Thu Feb 13, 2014 2:59 pm
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 6825

Re: Raising kids in a small town vs. big city/suburbs

I grew up in NYC in the 60'/70s and rode the busses and subways with friends by time I was 10 and alone by time I was maybe in 8th grade. ... I think it was great that I grew up in the city in a time when it was pretty safe as a farily young girl to be out and about on her own and using public tran...

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