Search found 2132 matches

Return to advanced search

Re: Reviewing my insurance now that I have money

Appreciate the response, medical payments seems like double-double insurance(liability and regular healthcare). It's not a lot but I'm probably going to pass on it. If I'm not at fault, the other person/insurer should have to pay for it. If I am at fault, my liability will cover it. Either way, not...
by interplanetjanet
Tue Apr 08, 2014 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reviewing my insurance now that I have money
Replies: 6
Views: 689

Re: California Taxes - Am I Missing Something?

Can anyone explain to me how someone with a 2nd quartile income (let's say $50-80K) can actually pay California real estate prices and actually save enough money to call themselves a Boglehead? It seems impossible to me. I see houses in California listed at $2 Million that would go for $200K in Ari...
by interplanetjanet
Tue Apr 08, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8473

Re: Death of co-worker

I wonder how retirement planning would change if there wasn't such a stigma attached to suicide. I think it's not as much a stigma of suicide as a mis-prediction of one's future self. At the age of 30, or 40, or 50, it's easy to say, "When I run out of money or health, whichever comes first, I...
by interplanetjanet
Tue Apr 01, 2014 6:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9294

Re: Expensive hobbies and possessions? (B/c you can...)

Gourmet cooking with top-quality ingredients. Food is easily my second largest expense after housing. I figure I can't eat when I'm dead, so...
by interplanetjanet
Mon Mar 31, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 9239

Re: Buy Term Life Now or Wait

Get it now, kids aren't why you need life insurance, income replacement is why you need life insurance and that need is there whether or not you have children. At 32 I did a 20/30 ladder, 750K 20 year and 250K 30 year and pay roughly $45 a month. If the OPs spouse works as well, I'm not sure that I...
by interplanetjanet
Thu Mar 27, 2014 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy Term Life Now or Wait
Replies: 17
Views: 1116

Re: Premium Products That Are Worth It To You

I agree...great descriptions....you have promise for a second career in food journalism. Hah, thank you! There may be guilty pleasures that cost more than $1/gram, but I am hard-pressed to come up with other ones that are legal. Even a Ferrari, I suspect, would not cost more than $1/gram (454 gms/l...
by interplanetjanet
Sun Mar 16, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 36204

Re: Premium Products That Are Worth It To You

Impressive and captivating descriptions, Janet! Thank you! As an aside, if any foodies out there do want to try a tradizionale balsamico, Fiore Olive Oils has excellent pricing and service: http://fioreoliveoils.com/collections/aceto-balsamico-tradizionale-di-modena $90 with free shipping for an Af...
by interplanetjanet
Sun Mar 16, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 36204

Re: Premium Products That Are Worth It To You

Wow, Janet, that's an interesting idea....I'll have to try it. And thanks as well for the port/sherry suggestions- something I know little about. I just thought I'd add a suggestion - you could do much, much worse than to start with Taylor Fladgate's 10-year tawny. It should run about $25 for a bot...
by interplanetjanet
Sun Mar 16, 2014 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 36204

Re: Premium Products That Are Worth It To You

I consume very little alcohol, but one of my favorite things to do with gelato is to chill (not freeze) a few spoonfuls of port or cream sherry style wine (my current favorites for this are the Taylor Fladgate 20-year tawny or Lustau's East India Solera - you want something sweet but not overly so,...
by interplanetjanet
Sun Mar 16, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 36204

Re: Premium Products That Are Worth It To You

You can never go wrong with Graeter's. And now.... they have added Gelato, which is great. I consume very little alcohol, but one of my favorite things to do with gelato is to chill (not freeze) a few spoonfuls of port or cream sherry style wine (my current favorites for this are the Taylor Fladgat...
by interplanetjanet
Sun Mar 16, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 36204

Re: LED lights currently worth it personal financewise?

If you need any of: directional light (to replace spotlights, for example) colored light frequent on-off cycles operation in cold areas operation is a very inaccessible fixture constant light over the lifespan of the lamp then I think they are basically a no-brainer at this point in time. If none of...
by interplanetjanet
Sun Mar 16, 2014 2:06 am
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2496

Re: Where do you order business checks from?

Awesome! I poked around a little at the costco site and somehow just completely missed that the quicken compatibility group. Yes I know someone with a membership. Thanks! No need for me to pay ONE DOLLAR or more per check from another site, huh? :D Glad to help! I know checks are a crazy anachronis...
by interplanetjanet
Sat Mar 15, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Where do you order business checks from?
Replies: 18
Views: 1089

Re: Where do you order business checks from?

Along those same lines, anyone happen know of inexpensive, one-per-sheet checks which work with standard laser printers and are compatible with the format/output required by Quicken? I put in "Quicken 2006 or later" on costcochecks.com and came up with these: https://www.costcochecks.com/...
by interplanetjanet
Fri Mar 14, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Where do you order business checks from?
Replies: 18
Views: 1089

Re: Where do you order business checks from?

As a Costco member, I use http://www.costcochecks.com. They're inexpensive ($25 or so for 600 "business sized" checks suitable for a binder) and seem fine to me. I use them even for personal checking as I like a binder much better than a small checkbook and I appreciate the extra space. I...
by interplanetjanet
Fri Mar 14, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Where do you order business checks from?
Replies: 18
Views: 1089

Re: Child Support... what counts?

No it was not, I was pushing for the legal route. We filled out paperwork and met with 3 separate government agencies (had to take time off work for the "free consultations") and finally gave up after being told to go back and forth for additional paperwork etc. If everything has been agr...
by interplanetjanet
Wed Mar 12, 2014 2:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Child Support... what counts?
Replies: 27
Views: 1436

Re: Child Support... what counts?

A future spouse's income and assets are not considered for child support because your spouse has no legal obligation to support a child that is not theirs. It's actually kind of interesting how some states handle this. In California, for example, a high earning spouse of someone paying child suppor...
by interplanetjanet
Wed Mar 12, 2014 2:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Child Support... what counts?
Replies: 27
Views: 1436

Setting up a spendthrift trust for a child

Hi all, I have a child who has some special needs and who has been very irresponsible with money in the past, and I expect this to continue for the forseeable future. He turns 18 this year. While I hope that I live for a good long time and can help him financially in ways that won't get squandered, ...
by interplanetjanet
Mon Mar 10, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Setting up a spendthrift trust for a child
Replies: 6
Views: 1323

Re: Where do you order business checks from?

As a Costco member, I use www.costcochecks.com. They're inexpensive ($25 or so for 600 "business sized" checks suitable for a binder) and seem fine to me. I use them even for personal checking as I like a binder much better than a small checkbook and I appreciate the extra space.
by interplanetjanet
Sun Mar 09, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Where do you order business checks from?
Replies: 18
Views: 1089

Re: What was your dumbest financial decision?

Waiting until almost my mid 30s to really research personal finance in detail. Many sites helped me with this but this one helped more than most.
by interplanetjanet
Wed Mar 05, 2014 6:36 am
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 8388

Re: Move to California means what $ ?

Northern California is big, and includes terribly expensive high-priced areas (mostly those close to San Francisco), very economically depressed low-priced areas, and an awful lot in between. The climate ranges from mild to some of the heaviest snowfall in the lower 48. You really have to narrow it ...
by interplanetjanet
Mon Mar 03, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Move to California means what $ ?
Replies: 55
Views: 4337

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

This is a piece of a post I wrote a few years ago. I think it's still relevant. What it "costs" to raise children, more than anything else, is time. If you see your hours as a way to make money, the opportunity cost of raising children will dwarf the direct monetary cost for most people. S...
by interplanetjanet
Wed Feb 26, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 6507

Re: At what age to drop term life insurance?

I'd like to chime in agreeing with the other posters here. If your assets can cover the loss of your future earnings (or non-joint pensions) then the insurance has probably outlived its usefulness. My own situation is different but I'm looking at dropping my life insurance by around age 40. I'm a s...
by interplanetjanet
Mon Feb 03, 2014 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age to drop term life insurance?
Replies: 14
Views: 1602

Re: Buying snow tires

You have not said what type of vehicle you will use the snow tires on. If you have a front wheel drive vehicle, you should put snow tires on all four wheels. If you just put them only on the front, you may have trouble controlling the car when you stop on slippery surfaces. On a rear wheel drive ve...
by interplanetjanet
Mon Dec 16, 2013 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Buying snow tires
Replies: 55
Views: 2899

Re: Rib Roast, Prime Cut vs. Choice Cut

True prime-graded cuts are hard to find for sale to the public, and when you do find them they will be very expensive. Most prime-graded cuts go to top restaurants. I always buy choice-graded “prime rib” roasts, but will occasionally splurge for a prime-graded steak. I've been happy to find them re...
by interplanetjanet
Wed Dec 11, 2013 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Rib Roast, Prime Cut vs. Choice Cut
Replies: 23
Views: 1665

Re: 401k rollover for new job

1) Any time there is an opportunity to take control of your own money, I would do it. Roll your old 401(k) into a traditional and Roth IRA. Why would you put your funds back into the hands of someone else? I largely agree, but if the OP is above the phaseout for Roth IRA contributions, it may be wo...
by interplanetjanet
Mon Dec 09, 2013 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover for new job
Replies: 6
Views: 400

Re: 6 days for ACH transfer?

6 days does seem excessive. USAA ACH pushes generally seem to clear the next business day, though I haven't done 5-figure or above ones. I mostly use the pushes to pay some recurring bills that would otherwise have to go by check (such as alimony).
by interplanetjanet
Mon Dec 09, 2013 6:37 pm
 
Forum: Personal Consumer Issues
Topic: 6 days for ACH transfer?
Replies: 15
Views: 898

Re: [Eating] Fish

I eat a range of fish, but have a particular fondness for sardines and anchovies. Large non-tinned are really wonderful on the grill, they're just packed full of flavor. We eat a whole catfish periodically, baked in a little foil tent. If you have a good source for fish they are very tasty - I recom...
by interplanetjanet
Fri Dec 06, 2013 7:27 am
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 109
Views: 7316

Re: Should I sell my car, or wait?

tjschraf wrote:Agree, no replacement for displacement!

The only substitute for cubic inches is cubic dollars. ;)
by interplanetjanet
Thu Dec 05, 2013 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Should I sell my car, or wait?
Replies: 23
Views: 1035

Re: Medical bills -- getting the discount without insurance

It is actually ILLEGAL to bill one person with insurance one way and not another with the same insurance. In this example, your allergist could be liable legally if another person who also paid out of pocket paid more then you. It is illegal to not only overbill, but also UNDERBILL. I can see where...
by interplanetjanet
Mon Nov 25, 2013 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Medical bills -- getting the discount without insurance
Replies: 19
Views: 1465

Re: Retiring at 50

Oh one of the things I learned is Social Security projections you get from the gov't are optomistic as they assume you will keep working and making a bundle until you are 66ish. Of course if you retire early like I did you no longer have big deposits into the system for lots of high earning years. ...
by interplanetjanet
Thu Nov 21, 2013 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Retiring at 50
Replies: 67
Views: 8185

Re: utilizing a collection agency

You probably do want to be careful, though I believe that if you have a debt collector working on your behalf (as opposed to selling the debt to a third party collector) you avoid the consequences of the FDCPA. Some states do regulate original creditors, though. A former friend of mine toys with deb...
by interplanetjanet
Wed Nov 20, 2013 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: utilizing a collection agency
Replies: 12
Views: 1141

Re: Liability Insurance [umbrella policy questions]

If umbrella liability is coverage over and above the protection afforded by auto/home insurance, then how does umbrella liability work for those who don't own a home and/or a car? In that case, is the requirement to carry the base amount of auto and home insurance waived? Or does the individual pay...
by interplanetjanet
Wed Nov 06, 2013 2:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Liability Insurance [umbrella policy questions]
Replies: 28
Views: 2833

Re: Covering holes in disability coverage (is AD&D useful?)

Since you are, of necessity, looking for piecemeal ways to provide for disability financially, look at credit disability coverage on any consumer loans you might have. Most credit union loans offer (up to age 66) the option of purchasing credit disability. Typically, if your choose the disability c...
by interplanetjanet
Tue Oct 08, 2013 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Covering holes in disability coverage (is AD&D useful?)
Replies: 12
Views: 834

Re: best value for EV/PEV CA carpool eligible vehicles

If you're not wedded to electricity, consider other AFVs such as the CNG powered Honda Civic GX. Similar tax credits are available, refueling stations are plentiful in urban California (look at http://www.cngprices.com) and they qualify for identical HOV lane privileges and bridge toll reductions. R...
by interplanetjanet
Tue Oct 08, 2013 7:35 pm
 
Forum: Personal Consumer Issues
Topic: best value for EV/PEV CA carpool eligible vehicles
Replies: 13
Views: 1260

Re: Son's first car

Volvo 240DL wagon safe built like a tank reliable inexpensive That just might qualify as one of the least sexy automobiles ever. :annoyed Well done! :happy I don't know, those rear seats fold down to make a really...spacious area. ;) I had a 240 wagon, but mine was a turbo intercooled stick...it wa...
by interplanetjanet
Tue Oct 08, 2013 7:01 pm
 
Forum: Personal Consumer Issues
Topic: Son's first car
Replies: 50
Views: 3380

Re: Covering holes in disability coverage (is AD&D useful?)

I think AD&D is an abbreviation for "Accidental death and dismemberment", which pays you a one time fixed dollar amount described in the contract for loss of an eye or limb, or your beneficiary if you died in an accident. It doesn't cover injury or death from an illness. It isn't the ...
by interplanetjanet
Tue Oct 08, 2013 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Covering holes in disability coverage (is AD&D useful?)
Replies: 12
Views: 834

Re: Savings & Priorities

The 35% rate I derived from going down 1 marginal bracket, and I live in California. :-) My present marginal tax rate, excluding medicare and social security, is 38.23%. Maybe I will move somewhere with no/little state taxes, but I think assuming a worst-case scenario is what I should do. At the en...
by interplanetjanet
Tue Oct 08, 2013 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings & Priorities
Replies: 3
Views: 627

Re: Savings & Priorities

Put the Roth IRA into "safe" investments such as a money market or short term bond fund. Consider it part of your emergency fund for now - that brings you up to 6 months and should allow you to throw money at your 401k. Once you get to where you can save additional money, you can take part...
by interplanetjanet
Tue Oct 08, 2013 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings & Priorities
Replies: 3
Views: 627

Re: How did you/your child pay for college?

Or, are you asking to try and figure out what the general consensus is? Almost all my friends now graduated debt free or very close to debt free even though we were part of the high tuition generation. Among the USA peers in my social circle, I definitely received the least parental help. A few are...
by interplanetjanet
Sat Oct 05, 2013 7:29 am
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8478

Re: Young Guys [and Gals] Making Good Money

Seems to me it's pretty rare to reach six figures by age 25 without having attended a top 10ish college or law school and being willing to work 50+ hours a week in a high cost of living city. Even the very successful sales people who've replied here had to pay their dues and didn't break six figure...
by interplanetjanet
Mon Sep 30, 2013 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 22549

Re: How did you/your child pay for college?

I'd think that would be pretty obvious, just reading the news - a lot of parents see children as a burden at best. I left home when I was 18 and never looked back, it sounds like livesoft probably took a similar path. I don't really expect to hear from my family again. One positive thing that comes...
by interplanetjanet
Sun Sep 29, 2013 9:19 pm
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8478

Re: Best way to collect rent?

When I was a landlord, I went around to all of the apartments on the evening of the 1st of the month and collected the rent in cash, certified check, or money order from each tenant, unless the tenant had previously contacted me to make an appointment to pay at an earlier time. Probably not the bes...
by interplanetjanet
Sun Sep 29, 2013 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Best way to collect rent?
Replies: 23
Views: 1925

Re: 18 Months Till Retirement, Need Suggestions

janet-may i call you janet-everyhing you say is correct. the actual dollar amount gotten from ss vis a vis the 62/70 is as you say break even at 82. I have always said that is correct. but if you take at 62 and use the 1000 from ss for expenses-this is ALSO 1000 dollars you did not take out of savi...
by interplanetjanet
Sun Sep 29, 2013 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 18 Months Till Retirement, Need Suggestions
Replies: 49
Views: 4363

Re: Young Guys [and Gals] Making Good Money

This thread is fascinating--it's like seeing what life is like on the other side of the tracks. Anyone else out there scraping by in the nonprofit world? I did, for a few years, and had some of the best memories and coworkers of my career. I was making a third of what I do now and if I could find a...
by interplanetjanet
Sun Sep 29, 2013 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 22549

Re: 18 Months Till Retirement, Need Suggestions

of course it's double counting-but it is the EFFECTIVE result of taking at 62. the money is still there :mrgreen: No, it's not. Let's do math! Say, for example, that you have a pension that satisfies your income needs during retirement except for $500/mo, and you have $500k in savings. Let's assume...
by interplanetjanet
Sun Sep 29, 2013 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: 18 Months Till Retirement, Need Suggestions
Replies: 49
Views: 4363

Re: 18 Months Till Retirement, Need Suggestions

my premise is this. if you take at 62 the money you get from ss will pay that amount of expenses. you do not have to remove it from retirement accounts or savings so at 70 you have a pile of money NOT REMOVED from retirement accounts. It is the effect of not removing it. IT IS NOT additional money ...
by interplanetjanet
Sun Sep 29, 2013 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: 18 Months Till Retirement, Need Suggestions
Replies: 49
Views: 4363

Re: Young Guys [and Gals] Making Good Money

..... why the [blank] did I become an engineer. Side note, seems like SW sales is the way to go. Everyone and his brother on this forum make 300k and work 30 hours a week. So, uhh, where do I sign up? Honestly, engineering can pay extremely well if you have exceptional or unusual skills and can fin...
by interplanetjanet
Sun Sep 29, 2013 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 22549

Re: Poll: $ monthly contribution to 529/college savings

None. I had my children in my early 20's and I should be solidly in my peak earning years when they are in college in the next few years, so it will be paid out of cash flow (the child support I pay already comes out of cash flow, the money will just get redirected to college when they graduate high...
by interplanetjanet
Sun Sep 29, 2013 7:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 5588

Re: How did you/your child pay for college?

i am really beginning to think, reading this thread and a similar one, that some parents don't like their kids. Or something else unknown to me is going on. I'd think that would be pretty obvious, just reading the news - a lot of parents see children as a burden at best. I left home when I was 18 a...
by interplanetjanet
Sun Sep 29, 2013 7:28 am
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8478

Re: How did you/you child pay for college?

I plan on arranging things so that my children will qualify for need-based financial aid (their other parent and I share custody, and he is in grad school with a very low income). That, plus a redirection of the child support payments I've been making that will end once they graduate high school, sh...
by interplanetjanet
Sat Sep 28, 2013 7:32 am
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8478
Next

Return to advanced search