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Re: Would you retire like this?

I would not want to move back if I were in your shoes. If my children will attend college in U.S., I'd rather them also attend K-12 in U.S. Asian K-12 education may be better in some areas and a lot of Asian schools are safer comparing to U.S., I believe cultural, social interactions, peer activitie...
by jtundra
Mon Mar 03, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you retire [to a tropical island with kids]?
Replies: 121
Views: 9993

Re: Skip IRA for 1 year to buy engagement ring

For the RIGHT woman, it is okay to skip IRA for 1 year to buy engagement ring, especially if this is important to her! This might be the only $$ you have to spend on her for a long time. Years ago, a college student emptied his pocket and bought an engagement ring for over $2000 when he only made a ...
by jtundra
Wed Feb 19, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13724

Re: Should I become sole provider for fiance?

I don't know what OP should do in his/her situation. But this is what I did and am doing currently in a similar case. My husband was in college when we met, engaged and then moved in, I paid more than half the share but did not pay his tuition. We got married and he soon got in a pharmacy school, I ...
by jtundra
Mon Feb 17, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 6359

Re: Can we safely withdraw from Roth IRA (to pay tuition)?

Alan and David,

Thank you so much for helping me with my questions!

The tuition will be paid in the same year as the withdraw. We don't have earnings in the IRA account.
by jtundra
Mon Feb 17, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Can we safely withdraw from Roth IRA (to pay tuition)?
Replies: 4
Views: 427

Can we safely withdraw from Roth IRA (to pay tuition)?

In January my husband rolled over from two previous 401K accounts to a brand new Roth IRA account. He does not have any other IRA (roth or traditional) accounts. We'd like to withdraw from all his new Roth IRA account to pay for his graduate school tuition this year. I have read Wiki and IRS publica...
by jtundra
Sun Feb 16, 2014 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we safely withdraw from Roth IRA (to pay tuition)?
Replies: 4
Views: 427

Re: Going without a pre-nup?

Assuming OP has significant assets, say 20 million dollars, I don't think it is that bad to lose a few million at divorce considering the risk of losing the girlfriend when bringing up pre-nup. It won't be fair or ideal without a pre-nup. But maybe for the right woman, OP can take a financial risk. ...
by jtundra
Tue Sep 24, 2013 11:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Going without a pre-nup?
Replies: 255
Views: 13961

Re: Wiring money from overseas and currency conversion

In some countries, such as China, you have to convert the currency to US dollar before wiring it. The fee for wiring is charged by number of transactions regardless the amount. As far as I know, $2k or $50k is the same fee. Banks in China charge about $50 (or 300 RMB) and receiving banks in US charg...
by jtundra
Thu Jul 11, 2013 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Wiring money from overseas and currency conversion
Replies: 17
Views: 1828

Re: Savings Rate for Single Income Families

When my daughter was born 4 years ago, my husband quitted his job to take care of her. So we had our income cut by 1/3. Before that I saved 15% and IRA of my income. Husband did not save any for retirement. Now he is attending school to become a pharmacist. So we are still single income. But we save...
by jtundra
Thu Jul 11, 2013 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Savings Rate for Single Income Families
Replies: 18
Views: 2200

Re: How to get over finance envy

We are a single income household with my husband in pharmacy school right now. Five years ago, I was single and renting a 800-900 SF basement in a nice house which was about $450 a month. Now we live in a nice 2000 SF house with my salary increasing about 15% in the last five years. But I feel much ...
by jtundra
Tue Jul 09, 2013 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 17719

Re: First Post - seeking wisdom on job (long, sorry)

I am a woman and had somewhat similar experience with an engineering background working in IT. But the bully was/is my supervisor (male). I did go to HR. The lesson learned is HR is not here to look after you. Rather they side with managers. This is true in my (non-profit and over 10,000 employee) o...
by jtundra
Fri Apr 12, 2013 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Post - seeking wisdom on job (long, sorry)
Replies: 33
Views: 3796

Re: How important is a good school district?

" I have worked with foreign graduate students, and find that the education they have received is far superior to what I received, and on par with the best students graduating from great public US high schools. These are the people your kids are going to have to compete with in a global econom...
by jtundra
Fri Apr 12, 2013 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is a good school district?
Replies: 65
Views: 3172

Re: Looking for pharmacist jobs with a criminal background

OP here. First, thank you all for your help! I shared your replies with the friend. He explained some more details about the "fugitive of justice". He did run into problems with law more than 10 years ago involving property damage in one incident but with two states. Both states had warran...
by jtundra
Sat Mar 02, 2013 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for pharmacist jobs with a criminal background
Replies: 28
Views: 3462

Looking for pharmacist jobs with a criminal background

A good friend of us is graduating from a pharmacy school this year. He started job searching Dec. last year and has been through a few phone/face-to-face interviews. However, most of them just went silent after the interviews. He told us one hiring manager in January initially offered him a job verb...
by jtundra
Fri Mar 01, 2013 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for pharmacist jobs with a criminal background
Replies: 28
Views: 3462

Re: May need new water heater

Our water heater broke last Friday. A little before midnight, I found out there was no hot water coming out. I went down the basement to check. Our utility room was flooded. The room is unfinished, but 6 feet away, our main basement area is finished. So anyway we had it replaced this Monday for $299...
by jtundra
Fri Feb 15, 2013 2:18 pm
 
Forum: Personal Consumer Issues
Topic: May need new water heater
Replies: 46
Views: 3585

Re: How much do you expect your kids to pay for college?

We have one child only. She is three year old now. Our plan is to invest in her eduction as early as possible so she could get good schoolarship/fellowship for college and graduate school like how her mother did :happy. She is attending a very good private preschool now. Our backup plan is to pay fo...
by jtundra
Mon Jan 28, 2013 5:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you expect your kids to pay for college?
Replies: 237
Views: 15700

Re: Is Preschool worth it? for $5,000?

My 3 year old just started her preschool at a Montessori school. She was at a daycare before that. We are paying $1,015 a month for her which includes pre and after school programs. My husband is in pharmacy school right now. We borrow $23,000 a year student loan for his tuition. Does it make sense ...
by jtundra
Wed Jan 16, 2013 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Preschool worth it? for $5,000?
Replies: 50
Views: 4148

Re: Where to visit in FL with a toddler and a senior?

It's the OP here. Wow a lot of good suggestions! From the posts I read, I think we are going to choose from one of the followings: 1. Cruise 2. Siesta Key Sarasota 3. Road trip Orlando-Miami-Key West It has been a long time since we last visited FL.Thank you for helping making our family holiday a f...
by jtundra
Mon Dec 17, 2012 11:00 am
 
Forum: Personal Consumer Issues
Topic: Where to visit in FL with a toddler and a senior?
Replies: 31
Views: 2859

Where to visit in FL with a toddler and a senior?

My husband and I would like to take our 3 year old daughter and my 70 year old father to FL for a week this December, possibly during the Christamas week. We live in Midwest. My husband and I had been to Disney Orlando many years ago separately before we met. I also visited Key West once 10 years ag...
by jtundra
Thu Dec 13, 2012 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Where to visit in FL with a toddler and a senior?
Replies: 31
Views: 2859

Re: Time for a new car... What to get?

I bought a new CRV in 2007. I was a single woman at the time and went to the dealer alone. Before meeting the sales people, I had done internet research and known how much people paid for their new CRV in the region. I also had a few emails sent from other Honda dealers in the area. So I walked in a...
by jtundra
Thu Mar 01, 2012 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Time for a new car... What to get? (UPDATE)
Replies: 20
Views: 1583

Re: Going to Quit- which path to choose?

Before answering your question of from A-E which to choose, allow me to tell you what I did when I turned to 25 with a more or less unsettled/burned out feeling for life. I came to U.S.. I did not know anyone, had not a real idea of the life here, and didn't speak English very well (though I read an...
by jtundra
Tue Feb 28, 2012 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going to Quit- which path to choose?
Replies: 62
Views: 6593

Re: Saver V Spender 3: Fine-tuning & Negotiations.

Back to the original question of how much to save from the 13,000 take home pay, I run some numbers with those online retirement calculators (e.g. CNN Money has one). Assuming you want 200,000 annual income after retire at 65, with a current monthly saving of 4,000 and full 401K contribution, I have...
by jtundra
Thu Jan 26, 2012 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saver V Spender 3: Fine-tuning & Negotiations.
Replies: 144
Views: 8301

Re: Saver V Spender 3: Fine-tuning & Negotiations.

DH and I compromise on things in our marriage. But for me there are a few things that I will not compromise and I made them clear to DH when we got married. One of them is trust, especially when it comes to money. I make 5X as he does, since he is working half time. He knows where every dollar comes...
by jtundra
Tue Jan 24, 2012 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Saver V Spender 3: Fine-tuning & Negotiations.
Replies: 144
Views: 8301

Re: Kung Hei Fat Choi!

Xin Nian Kuai Le!

Happy New Year!

I am from Northern China. We eat dumplings on new year day.
by jtundra
Tue Jan 24, 2012 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Kung Hei Fat Choi!
Replies: 26
Views: 1663

I am in my 30s. When I take a few of days off from work, if I don't take a trip, I can get the first couple of days filled, but after that I get bored at home. Financially speaking, I can retire from work in 4 years. But how am I going to spend all those days? My only kid will be in school then. So ...
by jtundra
Mon Oct 10, 2011 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: [poll] When will (or did) you retire?
Replies: 63
Views: 12228

I didn't want to have children in my 20s and early 30s and broke up with bf(s) because of this. I was very firm on this and one time I even contacted a clinic to get fixed. Unfortunately, the clinic refused to operate on single women, though they did it to married and unmarried women but with a part...
by jtundra
Thu Sep 29, 2011 11:04 am
 
Forum: Personal Consumer Issues
Topic: Question for bogleheads with no kids
Replies: 225
Views: 13634

I was adventurous (in U.S. standard) in food before I came to U.S. more than 10 years ago. I loved pig livers particularly. I had rabbit meat, snake meat, fresh water crabs, and all kinds of fish (with their heads on). My favor thing to do in a restaurant used to be picking out fish from the fish ta...
by jtundra
Mon Sep 26, 2011 1:38 pm
 
Forum: Personal Consumer Issues
Topic: Are you adventurous in food?
Replies: 46
Views: 2504

DH is currently in a pharmacy school in his P1 (first year professional study). He has a degree in biochemistry from a state university before entering the pharmacy school. He hasn't done the greatest in the biochemistry class this semester - got Bs for the every two week exams so far. Yesterday, I ...
by jtundra
Mon Sep 26, 2011 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Pharmacy as Career Choice
Replies: 69
Views: 10032

Re: Worked to Live:

I work to live. I like what I do, but can't take the office politics no more. Right now, husband is a full time student. so I got to stay put for a few years. The day he graduates will be the day I retire or switch to something/somewhere more enjoyable.
by jtundra
Mon Sep 12, 2011 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Do you work to live or live to work?
Replies: 50
Views: 3806

- Correct about double dipping. You can't deduct 529 funds used for education from income taxes. - Scramble my answer about savings on Iowa taxes. You'd need to read carefully the state law about Iowa 529. I just did a quick google search and there are conflicting reports either you can or cannot u...
by jtundra
Wed Jul 27, 2011 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plan for spouse?
Replies: 5
Views: 910

You should be able to deduct at least $4k this year & next for the graduate studies, but you can't double dip, i.e. this can't be the money that went through the 529 plan. Thank you for answering my question. Just to be sure that I understand what you said about double dipping. If we plan to pa...
by jtundra
Tue Jul 26, 2011 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plan for spouse?
Replies: 5
Views: 910

529 plan for spouse?

DH is going to start a 4-year graduate program this fall. We have decided to pay for his graduate school with our savings and subsidized federal loan. We both have income. We already have a 529 plan for our 2-year old daughter. Can I open a 529 plan for DH, just to take advantage of our state income...
by jtundra
Tue Jul 26, 2011 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plan for spouse?
Replies: 5
Views: 910

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