Search found 96 matches

by rjsob58
Mon Jul 27, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: refi with a 5/1 arm
Replies: 8
Views: 528

Re: refi with a 5/1 arm

I have a 30yr fixed mortgage at 3.875% with a $273k balance in a HCOL area. ... I can refi the $273k balance with a 5/1ARM at 2.685% with no cost, which would reduce my payments by almost $250/mo. Something is not quite right with your numbers. How long do you still owe on your current mortgage? Wh...
by rjsob58
Mon Jul 27, 2015 11:41 am
Forum: Personal Finance (Not Investing)
Topic: refi with a 5/1 arm
Replies: 8
Views: 528

refi with a 5/1 arm

I have a 30yr fixed mortgage at 3.875% with a $273k balance in a HCOL area. I only plan to be in the home another 3 years till my kids graduate HS and I'm eligible to retire (I'd be 60). We plan to sell the house at that point, use the equity and buy a home for cash in a LCOL area. The home is value...
by rjsob58
Thu Jul 09, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: Doggy Day Care services
Replies: 7
Views: 812

Re: Doggy Day Care services

In our area the Fetch! franchise has a very bad rep. They use indep. contractors, not bona-fide employees, and that can become problematic. If you are going to be traveling, will you be staying in pet-friendly hotel? In the larger cities, the hotel will usually maintain a list of local dog walkers ...
by rjsob58
Thu Jul 09, 2015 1:40 pm
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3101

Re: What antivirus software?

I've used ESET both personally and at my office (on PCs and servers) for many years. It is a solid product and very reasonably priced. Personally, I would not make a security decision based on price. And as some others have mentioned, I would use Malwarebytes in addition to AV as the best defense th...
by rjsob58
Thu Jul 09, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: Doggy Day Care services
Replies: 7
Views: 812

Doggy Day Care services

Has anyone used the franchise-based doggy day care services like Fetch! or Rover? I know the actual experience is dependent on the sitter they set you up with, but if you've had any good or bad experiences using their services, I'd appreciate the feedback. We won't be using this local to us, but nee...
by rjsob58
Mon Jul 06, 2015 2:38 pm
Forum: Personal Consumer Issues
Topic: How to start a blog and claim the name?
Replies: 27
Views: 1294

Re: How to start a blog and claim the name?

4. Twitter handle - Should I register it using my primary email address or XXX@gmail.com? Definitely register it to the xxx@gmail address. It makes it much easier to keep it separate from personal email. I did this myself a few years ago and am glad I did. This probably goes without saying, but tra...
by rjsob58
Fri Jun 26, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: Questions about brick paver driveway
Replies: 12
Views: 1846

Re: Questions about brick paver driveway

If you live where it snows, brick is a royal pia when it comes to shoveling.
by rjsob58
Wed Jun 24, 2015 3:33 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iOS
Replies: 13
Views: 1536

Re: Moving from Android to iOS

I'm in IT and support both in my company. I had an Android for years, but in order to support iPhone users I got one on our last upgrade. After I used it for 2 months, I switched back. There were a number of reasons. ⋅ I couldn't get used to the lack of a back button ⋅ I had beco...
by rjsob58
Thu Jun 04, 2015 11:36 am
Forum: Personal Consumer Issues
Topic: Home Improvement Projects
Replies: 9
Views: 1592

Re: Home Improvement Projects

I shopped around for loans, including my B&M bank which was offering a HELOC with 1.99% for 1st 12 months on the 1st withdrawal. Also came with no fees. So I took that and paid it off within the year.
by rjsob58
Thu Apr 30, 2015 11:43 am
Forum: Personal Finance (Not Investing)
Topic: SEPP 72(t) aggregate or separate IRAs?
Replies: 8
Views: 864

Re: SEPP 72(t) aggregate or separate IRAs?

Thanks livesoft. I did change the thread title. And mn finance did answer the question, but I was looking for more detail.
by rjsob58
Thu Apr 30, 2015 6:10 am
Forum: Personal Finance (Not Investing)
Topic: SEPP 72(t) aggregate or separate IRAs?
Replies: 8
Views: 864

Re: Early withdrawls if still self employed

I'm not self employed now. I want to leave my current employer and be self employed. And I'd need to start withdrawals from my then-former employer's 401k to supplement my income for the next few years. After 3 years my sons graduate from high school,we sell our house in a HCOL area, use the proceed...
by rjsob58
Wed Apr 29, 2015 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: SEPP 72(t) aggregate or separate IRAs?
Replies: 8
Views: 864

Re: Early withdrawls if still self employed

And that applies if I continue to earn income (self employed/1099)?
by rjsob58
Tue Apr 28, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: SEPP 72(t) aggregate or separate IRAs?
Replies: 8
Views: 864

SEPP 72(t) aggregate or separate IRAs?

I am currently employed full-time and nearing the 57.5 mark where I could start withdrawals from my retirement funds if not employed. If I switch to strictly 1099 work, would I still be able to use the early withdrawal exception to make up the difference in income to meet my expenses? I'm not asking...
by rjsob58
Fri Mar 13, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: When cash flow/liquidity was no longer primary concern
Replies: 8
Views: 1134

Re: When cash flow/liquidity was no longer primary concern

I either look at it differently or don't understand the question. I don't stress or worry about cash flow or liquidity, but anything I can't afford to pay for today I either don't buy or determine how quickly I can pay it off and how that affects my budget. I probably stopped worrying about paying n...
by rjsob58
Fri Feb 06, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: If you like a job but the company has financial issues....
Replies: 18
Views: 2149

Re: If you like a job but the company has financial issues..

I'd say yes. Looking doesn't mean changing jobs. It never hurts to have options. How long will your emergency fund last if you are laid off or the company goes belly up? The layoffs that already happened - how much notice were those people given? I can only relate my own personal story from 30 some-...
by rjsob58
Thu Jan 29, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Bringing up 529s to the grandparents
Replies: 58
Views: 3534

Re: Bringing up 529s to the grandparents

Won't directly help, but take a look at UPromise. I have a UPromise MasterCard that gives my "cash back" into 529 at Vanguard. I don't actually use the card much any more cause I get better rewards on other cards. However, it does let you invite others to link their credit card purchases t...
by rjsob58
Thu Jan 29, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 2051

Re: Financial Considerations for Infertility Treatments

This was 14 years ago, actually longer but here are some other things to think about which only indirectly address your original questions. We started with individual treatments/cycles. After going through and paying for the first two one at a time, we went with a plan that offered 3 cycles and a 90...
by rjsob58
Fri Nov 21, 2014 1:21 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 26662

Re: What doyou splurge on?

Hockey tickets
Family vacation
by rjsob58
Fri Nov 14, 2014 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: 401K moving transfer allocation recommendations
Replies: 1
Views: 215

401K moving transfer allocation recommendations

Our company 401k is moving to Principal Financial Group so I will need to set which funds to move into. This represents 34% of my total retirement assets. The other 66% is at Vanguard (from previous IRAs) allocated as follows: VBTLX 21% ER: 0.08% VTIAX 7% ER: 0.14% VTSAX 37% ER: 0.05% The funds avai...
by rjsob58
Tue Oct 28, 2014 11:40 am
Forum: Personal Consumer Issues
Topic: Local Non Profit Association Officer Compensation
Replies: 1
Views: 329

Local Non Profit Association Officer Compensation

I've recently become a board member for a local non-profit association. It is a dart association mainly responsible for running a league and tournaments. I was a bit surprised both that the officers (director, treasurer, secretary, etc.) received monthly compensation and the amount. I guess I'm tryi...
by rjsob58
Fri Jul 25, 2014 10:31 am
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 17176

Re: List of Worst financial advice (what not to do):

"You can't take it with you when you die, so why not spend it?!!!!"
by rjsob58
Thu Jul 03, 2014 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 6694

Do you tell your kids how much you make?

This was prompted by the "do you lie about your finances to friends" thread. My kids are starting high school next year. I've had many discussions with them about saving and match what they save in their savings account at the end of the year. But when (it's not really an if) they ask you ...
by rjsob58
Wed Jun 04, 2014 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 10111

Re: Poll: Luxury and Happiness

About 2 years ago, I finally gave in and got an large screen (>35") HD TV and paid the premium for the HD cable package. I don't think I could ever go back and during hockey season, I couldn't be happier unless I get seats within 10 rows of the glass. Speaking of which, I splurg on hockey ticke...
by rjsob58
Mon Jun 02, 2014 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Upromise
Replies: 12
Views: 2206

Re: Upromise

I used it almost exclusively for many years and had the rebates tied directly to my kids 529 plans. But after being on this forum and looking at other credit card cash back programs, I determined I was getting more with a straight cash back card - Capitol One. For some planned purchases, I do still ...
by rjsob58
Wed May 21, 2014 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Picking an estate planning attorney
Replies: 4
Views: 637

Picking an estate planning attorney

I've probably been avoiding this far too long, but I want to start getting an "after-life" plan or strategy together. How do I go about finding a good estate planning attorney? What are some good questions to ask before hiring one to get a sense which one might be "better"? Or is...
by rjsob58
Fri Apr 11, 2014 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Question Owner Financing
Replies: 11
Views: 1103

Re: Question Owner Financing

I did the exact same thing for my step son & his family about 4 years ago. I refinanced my mortgage with cash out, shopped with them for a foreclosure and paid cash. Sold it to them the next day acting as the mortgagee. I did this all with a real estate lawyer. It was actually a contract for dee...
by rjsob58
Wed Mar 12, 2014 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite gadgets?
Replies: 28
Views: 1830

Re: Favorite gadgets?

1. Heated seated in car (laughed when the salesman touted these, but will never buy a car without them until I move south)
2. TV remote
4. Earphones (I have teenagers)
5. Apple corer/slicer
5. Water dispenser in the fridge
by rjsob58
Tue Mar 04, 2014 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Removing Escrow from Mortgage
Replies: 13
Views: 1235

Removing Escrow from Mortgage

Does it make sense and is it possible to remove the escrow portion of my mortgage - pay the taxes and insurance directly? It just seems like I'm loaning (interest free) the mortgage company the money to make those payments for me since they have to have a minimum amount in escrow. Or are there provi...
by rjsob58
Tue Feb 25, 2014 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 8140

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

I love the idea of offering to pay them to not get their license at 16. I am definitely going to give that a shot, cause the cost of insurance for 2 teenage male drivers is probably more than what I pay for my mortgage. I'm on the other side of the fence. If they get a license (I'm not buying them ...
by rjsob58
Tue Feb 25, 2014 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 8140

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

To set the stage, I have 13yr twins. At 3.5, you just have their needs to pay for. As they get older, not only do their needs increase (e.g. - more food, more clothes), but their WANTS grow exponentially. I can't say I've done this well, but providing them a good understanding of what their WANTS co...
by rjsob58
Fri Feb 21, 2014 1:44 pm
Forum: Personal Consumer Issues
Topic: People Search - paying for data?
Replies: 21
Views: 1845

Re: People Search - paying for data?

I've used Spokeo. I think the initial subscription was fairly inexpensive for a 3 month subscription. Found what I was looking for, then used it to see what it showed for me and some others. Cancelled the subscription with no problem before the auto-renewal kicked in.
by rjsob58
Fri Feb 21, 2014 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Your strategies, decisions, actions - Retirement 5 years out
Replies: 19
Views: 2258

Re: Your strategies, decisions, actions - Retirement 5 years

I've run all the calculators with some fairly conservative/pessimistic assumptions and I'm 3-5 years out depending on where my kids go to college. I've also run my own numbers based primarily on what I've been spending over the last decade. Every morning on my commute into work and every afternoon o...
by rjsob58
Fri Jan 17, 2014 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Experience with personal lending
Replies: 52
Views: 2850

Re: Poll: Experience with personal lending

I borrowed money from my mother twice - substantial amounts, earlier in life. I kept track of how much & how long. Eventually paid in full, with interest. When she was late in life, she asked for "a loan" twice. I provided it with no expectation of being paid back. I lent money to a fr...
by rjsob58
Wed Jan 15, 2014 4:52 pm
Forum: Personal Consumer Issues
Topic: Spring vacation ideas
Replies: 6
Views: 767

Re: Spring vacation ideas

If you don't have a lot of money to blow, a cruise might not work particularly for spring break vacation as the prices are higher. If you can afford a cruise for 4, then an equivalent alternative maybe an all-inclusive in Jamaica or Mexico as those two both include all beverages (including alcohol)....
by rjsob58
Tue Jan 14, 2014 4:22 pm
Forum: Personal Consumer Issues
Topic: Permits for kitchen remodel
Replies: 17
Views: 1704

Re: Permits for kitchen remodel

What exactly do you need permits for in a kitchen remodel? For example if you just do the countertops and the backsplash do you need permits? We knocked down walls, add new electrical outlets, moved others, added lights in ceiling, moved gas line for new stove location. So we needing building, elec...
by rjsob58
Thu Jan 09, 2014 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and Money
Replies: 32
Views: 3398

Re: Marriage and Money

concerns me is I don't believe she really understands the business side of how she's going to obtain it. I have posed the questions such as "How much will it cost to open a restaurant?" "Do you know the success/failure rate of a restaurant?" "How are you going to get the mo...
by rjsob58
Thu Jan 09, 2014 10:11 am
Forum: Personal Consumer Issues
Topic: Permits for kitchen remodel
Replies: 17
Views: 1704

Re: Permits for kitchen remodel

Just to close the loop on this. We had no problems pulling the permits ourselves and it only cost $650 vs the $2k estimate the contractor provided if they pulled them. The remodel is done. Failed electrical inspection initially, but the contractor took care of all the code deficiencies. Everybody's ...
by rjsob58
Wed Jan 08, 2014 4:50 pm
Forum: Personal Consumer Issues
Topic: Used Laptop
Replies: 13
Views: 650

Re: Used Laptop

Used or refurbished? The later being wiped CLEAN and everything reinstalled. Used could be just cleaned up, misc software uninstalled, but not wiped and "fresh". Possibly a big difference. Devil's advocate here but what's not to say the person before didn't get a virus or rootkit that stil...
by rjsob58
Thu Dec 19, 2013 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: early 401k distributions & 10% penalty
Replies: 4
Views: 491

Re: early 401k distributions & 10% penalty

Right now, the why is really a "just in case". There are lots of reasons on my list not to, but I tend to plan out every path. I'd like to leave or may be forced to and its the latter that has me looking at all my financial options. My max annual distribution from just the 401k isn't nearl...
by rjsob58
Thu Dec 19, 2013 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: early 401k distributions & 10% penalty
Replies: 4
Views: 491

early 401k distributions & 10% penalty

From what I read, I can start withdrawals from my 401k without the 10% penalty because of the following exception: "Made to a participant after separation from service if the separation occurred during or after the calendar year in which the participant reached age 55." 1) Is this whether ...
by rjsob58
Thu Dec 05, 2013 3:40 pm
Forum: Personal Consumer Issues
Topic: Permits for kitchen remodel
Replies: 17
Views: 1704

Re: Permits for kitchen remodel

Scope is all new cabinets, counter tops (granite), knocking down two walls to open things up, moving the refrig to the other side of the room (water line & new electrical circuit), moving a gas stove about 4 feet so there is a counter on each side. New lights, adding some electrical outlets and ...
by rjsob58
Thu Dec 05, 2013 2:02 pm
Forum: Personal Consumer Issues
Topic: Permits for kitchen remodel
Replies: 17
Views: 1704

Re: Permits for kitchen remodel

Generally, permit fees are based on the value of the work (although that may vary regionally) so I'm puzzled by how $2500 is saved by you doing the "pulling". I just finished an addition for which I pulled the building permit and acted as GC (there were no separate permits required for el...
by rjsob58
Thu Dec 05, 2013 1:45 pm
Forum: Personal Consumer Issues
Topic: Permits for kitchen remodel
Replies: 17
Views: 1704

Re: Permits for kitchen remodel

How much is the total job going to cost vs the savings by pulling the permit(s) yourself? Maybe it's just me, but it seems like if I were hiring a GC (are you hiring a GC who will be responsible for all aspects of the job, including hiring subs?), one of the reasons would be because I would want th...
by rjsob58
Thu Dec 05, 2013 1:04 pm
Forum: Personal Consumer Issues
Topic: Permits for kitchen remodel
Replies: 17
Views: 1704

Permits for kitchen remodel

We are doing a kitchen remodel and the contractor was going to charge us approx $2500 to pull all the permits, but said we could save money by getting the permits ourselves. They gave us their business license, but the county said it does not cover electrical or gas, only the building permit. They w...
by rjsob58
Tue Nov 26, 2013 2:39 pm
Forum: Personal Consumer Issues
Topic: Jamaica Vacation - Any tips?
Replies: 74
Views: 4782

Re: Jamaica Vacation - Any tips?

We've been 3-4 times with our kids in the last 6-7 years. We always stay at an AI and only leave the resort on group tours. We've never had a problem. The kids have always had a great time (age 4 on our 1st trip, age 11 on our last). The AI are great for budgeting, cause unlike the cruise ships, it ...
by rjsob58
Thu Nov 21, 2013 4:04 pm
Forum: Personal Consumer Issues
Topic: Generic Gift Cards
Replies: 43
Views: 3037

Re: Generic Gift Cards

I had problems with a "rebate" card which I guess is like a gift card. Tried it at different merchants (gas station, grocery store, home depot). All got "declined" even though there were funds. Finally had to use it for an online purchase. That is why I asked. I'm thinking a cris...
by rjsob58
Thu Nov 21, 2013 3:35 pm
Forum: Personal Consumer Issues
Topic: Generic Gift Cards
Replies: 43
Views: 3037

Generic Gift Cards

Tis the season, right? So instead of buying store-specific gift cards (e.g. best buy, Walmart), I'd like to get generic ones (e.g. Visa or MC) that could be used anywhere or almost anywhere. Are some better or more widely accepted? Any gotchas?
by rjsob58
Thu Sep 05, 2013 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Good Real Estate move?
Replies: 47
Views: 3620

Re: Good Real Estate move?

This is what I did several years back for my step son. I refi'd my house with cash out. Bought a foreclosure with the cash. On paper, I loaned him the money and sold it to him the next day and he pays me the mortgage. All done through a real estate attorney. He gets the tax deductions, I have to dec...
by rjsob58
Thu Sep 05, 2013 1:32 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1311541

Re: What Book Are You Currently Reading? Part V

For fiction (sci-fi actually), just finished The Ender Quintet and The Shadow Series by Orson Scott Card. Very entertaining. Non-fiction: Stop Prediabetes Now: The Ultimate Plan to Lose Weight and Prevent Diabetes by Jack Challem, Ron Hunninghake. I didn't really use the recipes or do the supplement...
by rjsob58
Mon Aug 19, 2013 3:20 pm
Forum: Personal Consumer Issues
Topic: All Inclusive [Vacation] Pros and Cons
Replies: 23
Views: 2431

Re: All Inclusive [Vacation] Pros and Cons

How old are your kids? How much family time do you want vs. you & spouse? How picky are you about the food? We've been to Jamaica AI's at least half a dozen times. These are not 5 or even 4 star resorts (the ones we've been to). Paying everything up front makes budgeting easier. The kids, especi...

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