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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
Wed Apr 23, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Where would you retire, if $ were no object?
Replies: 46
Views: 2072

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
Fri Mar 28, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Phone calls trying to sell me stocks
Replies: 36
Views: 2004

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 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 54
Views: 4040

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 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Daretobedull--Allan Roth
Replies: 14
Views: 2438

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
Wed Mar 26, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: "Spinning Off" my 20 Year Old Son
Replies: 71
Views: 5995

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
Tue Mar 25, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 54
Views: 4040

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
Mon Mar 24, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough college choice
Replies: 54
Views: 4040

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
Wed Mar 19, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Supporting Family Members
Replies: 30
Views: 1697

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 18, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your thoughts on vacation home or second home
Replies: 61
Views: 3615

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 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 5850

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
Tue Mar 11, 2014 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy vs rent no longer relevant?
Replies: 60
Views: 5850

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 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I stop worrying about money?
Replies: 66
Views: 5593

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
Mon Mar 10, 2014 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Certificates of Deposit alternatives?
Replies: 20
Views: 1981

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
Sun Mar 09, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget for 21 Year Old
Replies: 15
Views: 1673

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 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: College admission and high school
Replies: 21
Views: 1248

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
Thu Mar 06, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: College admission and high school
Replies: 21
Views: 1248

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
Wed Mar 05, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Trip through New England
Replies: 39
Views: 1422

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
Tue Mar 04, 2014 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ teen sues her parents for financial support
Replies: 3
Views: 763

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
Mon Mar 03, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: The Oscars
Replies: 25
Views: 1518

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
Wed Feb 26, 2014 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 6507

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 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 6507

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 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 6507

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
Tue Feb 25, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 6507

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
Mon Feb 24, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's the Appropriate Net Worth by % for a 27 year old?
Replies: 78
Views: 8746

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 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Please Help Me Find A Doctor
Replies: 23
Views: 1864

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
Wed Feb 19, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 7486

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
Tue Feb 18, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 152
Views: 7340

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
Mon Feb 17, 2014 12:53 am
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 7486

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...
by beachplum
Thu Feb 13, 2014 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4849

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...
by beachplum
Wed Feb 12, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4849

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

I believe that riding the bus and train without adults at a tender age to get to other cities is a major reason that I am self-sufficient in most situations now. Whether I can afford to chaperone ThatKid around, or even purchase a car for him, he WILL be exposed to public transportation at a tender...
by beachplum
Wed Feb 12, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4849

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

You need to give more details about this small town i.e. schools, economics of the town, percentage with college degrees, activities for kids from pre-school thru high school, crime rate...
by beachplum
Mon Feb 10, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4849

Re: How to buy a new car?

I got a good deal, imho, on a certified used toyota corolla 2013 with 3,000 miles on it because it was the dealers car, and I bought it in January of 2014. I just gave a sales pitch to the dealer with whom we have bought 2 other cars and have had 4 cars serviced there for over 20 years. And I pointe...
by beachplum
Wed Feb 05, 2014 1:39 am
 
Forum: Personal Consumer Issues
Topic: How to buy a new car?
Replies: 29
Views: 2290

Re: Living in retirement: 7 things I wish I could tell mysel

I only agree with number 7. Number 1 to 6 maybe only apply to the author. Also, I think people should have kids when they r ready to be parent. And if that mean after 40 or 45 or older, than so be it. It may be a lot easier for a man of 40 to 45 or older to help conceive a baby but a woman waiting ...
by beachplum
Sun Feb 02, 2014 3:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Living in retirement: 7 things I wish I could tell myself...
Replies: 47
Views: 8366

Re: Visiting NYC (New York City)

Hayden wrote:We went to the tenement museum last time we were there. I highly recommend it.


I took a friend from Austria to that museum and she and I loved it. One of the hidden treasures of the city. I find big art museums tire me out. I also prefer the real neighborhoods of the city.
by beachplum
Sat Feb 01, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Visiting NYC (New York City)
Replies: 31
Views: 1588

Re: Can we/should we afford this house?

Personally I wouldn't buy such a large home which is going to cost you more in the long run i.e. heat, maintenance, cleaning, rising property taxes etc. . I would rather go smaller, less expensive and have more money left over each month, take out a much smaller mortgage and shorter loan repayment. ...
by beachplum
Fri Jan 31, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford this house?
Replies: 63
Views: 4383

Re: [Movie Reviews: I need a replacement for Roger Ebert]

I am thinking about going to see "12 Years a Slave" but I try to avoid movies with lots of intense graphic violence, torture and stuff like that. Just how much brutality do they show in "12 years a slave"? I almost avoided Schindler's List for this reason, but then went to see i...
by beachplum
Mon Jan 27, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: [Movie Reviews: I need a replacement for Roger Ebert]
Replies: 16
Views: 1829

Re: If You Were 24 Years Old What Would You Do?

Dynasty90 wrote:
Professor Emeritus wrote:At 24 I was deep in debt , unemployed but was able to marry the smartest girl I ever met.
I'd do it again in a New York minute


I'm working on finding that smart girl first! Those are tough to find these days :oops:


Really. It takes one to know one I guess, sorry couldn't resist.
by beachplum
Thu Jan 23, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: If You Were 24 Years Old What Would You Do?
Replies: 34
Views: 3198

Re: Dating - Best Way of Meeting People

I've tried all the online dating sites - paid and free. Some of them are no different than a crowded bar - with the typical customers looking for Mr. Brad Pitt, jock, "Mr. Shower me with Bling, Vacations and Flowers". As someone else alluded too, there are a number of folks who don't know...
by beachplum
Thu Jan 23, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Dating - Best Way of Meeting People
Replies: 70
Views: 3760

Re: Rent and save for next 5 years or stretch now?

If possible, you probably need to spread your net wider on schools. In SF and the peninsula, that's not easy to do, but for other parts of the BA, there are areas with reasonable schools and somewhat more affordable houses. Getting caught up in having to have the "best" schools can really...
by beachplum
Wed Jan 22, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent and save for next 5 years or stretch now?
Replies: 38
Views: 2670

Re: Churning credit cards for air miles, need help

If you want to learn from one of the pros on how to best accumulate flyer miles read and join Million Mile Secrets.
by beachplum
Mon Jan 20, 2014 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Churning credit cards for air miles, need help
Replies: 35
Views: 2915

Re: Questions about filling out PenFed IRA CD forms

After wasting time with Penfed and Ally over a small IRA, I've decided it wasn't worth it anymore and will just rollover the money into an IRA with Vanguard.
by beachplum
Fri Jan 17, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 5935

Re: Ally required Signature to be Notarized or Medallioned

When you open a regular (non-IRA) account at PenFed, they want you to keep some minimum amount in the regular "share" account. This minimum amount is something like $5 or $10. It is not clear if PenFed wants you to have a separate "share" account in the IRA. The forms are somewh...
by beachplum
Thu Jan 16, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 5935

Re: Ally required Signature to be Notarized or Medallioned

I'm trying to transfer IRA accounts from Ally to Penfed. Sent my request to PenFed Dec. 28. Last week Ally called me to tell me that they need to have my signature on the transfer request notarized or guaranteed. So I just sent new notarized transfer requests to PenFed to counter-sign and forward t...
by beachplum
Thu Jan 16, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 5935

Re: pay health bill from HSA or from checking?

I personally vote for paying from HSA. I really wouldn't want to store receipts for 20+ years. HSA investments will never be as flexible and as good as taxable or IRA. I know as someone that has jumped from HSA to HSA (remember Adirondack?) Yes, you do potentially have some tax cost from taxable in...
by beachplum
Tue Jan 14, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: pay health bill from HSA or from checking?
Replies: 56
Views: 2212

Re: Credit Card Bonuses

I also did the Fidelity deal for 50K miles Hi there, do you mind elaborating? Thanks….BFG You can read all about the deal on this website: Million Mile Secrets. However, he warns that investment decisions are more important then miles. Basically you need to open a non-IRA investment account for 100...
by beachplum
Thu Jan 09, 2014 12:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4062

Re: Looking for Actual Experiences with Umbrella Insurance

I would like to share my experience with umbrella insurance that I haven't seen mentioned. While an adult child was still living with us, he accumulated some speeding tickets on his driving record. After exceeding some unspecified limit, we were notified that our umbrella coverage was to be cancell...
by beachplum
Thu Jan 09, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for Actual Experiences with Umbrella Insurance
Replies: 79
Views: 6288

Re: Credit Card Bonuses

BarefootGirl, That Card churning game is an entirely different game that most Boggleheads are used to. This practice is no less than those extreme coupeners and such shows. FatWallet forum is one spot to learn. Search for AppoRama. In a nutshell (and i tried to learn and left it) people apply for n...
by beachplum
Wed Jan 08, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4062

Re: Advice for studying abroad in Spain?

[quote="sesq"]I did a semester at a school whose program was linked in with Notre Dame in 1992 in Toledo (hour south of Madrid). The ND students studied hard since their grades would count for their GPA and the rest of us just made sure we got a B to get transfer credits. The grading was n...
by beachplum
Thu Dec 05, 2013 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Advice for studying abroad in Spain?
Replies: 25
Views: 1110

Re: Advice for studying abroad in Spain?

My daughter study abroad in Madrid in 2007 and after college went back to teach english in the public schools in various regions for 3 years. I had the pleasure of being able to visit her over that time and experience the culture, cuisine, sites and people a little more in-depth then a typical touri...
by beachplum
Wed Dec 04, 2013 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Advice for studying abroad in Spain?
Replies: 25
Views: 1110
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