Search found 200 matches

by HopeToGolf
Sun Apr 24, 2016 1:35 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 9156

Re: Any stay at home parents regret the decision?

'll start another thread where I find out what the SAH parents do all day when their kids are in school and the lawn people, handyman, house cleaner and other service providers are doing the "work." Eat bonbons by the pool, of course :oops: It sounds like a long time, but I was always ama...
by HopeToGolf
Sat Apr 23, 2016 5:05 am
Forum: Personal Consumer Issues
Topic: Any stay at home parents regret the decision?
Replies: 100
Views: 9156

Re: Any stay at home parents regret the decision?

As one part of a dual career household, I see benefits that having a SAH parent could have offered. I don't know if either of us would have achieved even greater success with the ability to be more focused at work but I think it is a consideration. If you choose not to have a SAH spouse (I.e. Both w...
by HopeToGolf
Mon Apr 11, 2016 2:21 am
Forum: Personal Consumer Issues
Topic: How to use iPhone 5S in Europe on wifi only?
Replies: 28
Views: 2051

Re: How to use iPhone 5S in Europe on wifi only?

BTW, GPS will work in airplane mode. I just used Google maps for navigation in airplane mode outside the US by downloading the local area maps when I was connected to WiFi. That would not have worked if GPS was not active. Go into settings, put the phone into airplane mode and then turn on WiFi. Kee...
by HopeToGolf
Wed Apr 06, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Which bank for ATM use outside the US?
Replies: 26
Views: 1587

Re: Which bank for ATM use outside the US?

I recently used Schwab checking and it was solid. I also used the risk reducing advice of reducing the amount in the account to what is needed and transfered the rest to another account (Schwab brokerage). I'll transfer the rest of the cash back into the account in a few weeks.
by HopeToGolf
Sat Apr 02, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Emergency Visit Bill
Replies: 28
Views: 2876

Re: Emergency Visit Bill

ER billing is opaque. My recommendation is to call the hospital and negotiate. I once received a bill containing charges that my insurance company would not cover. I complained over a few days and the hospital reduced the bill substantially but still a ridiculous amount. I was pretty upset at both m...
by HopeToGolf
Sat Apr 02, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 17737

Re: Tesla Model 3 anyone?

Reserved one at a store on 3/31. If the performance version can match a BMW M3/4 or Audi S4/5 I will likely buy it if the price is not as insane as it is for a M3/4.

I am hoping my current car can last that long with few repairs.
by HopeToGolf
Wed Mar 30, 2016 3:14 am
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 3753

Re: Bro Trip suggestions?

Scottsdale,AZ...pro sports, golf, hiking, gambling, dining all in less than an hour's drive.
by HopeToGolf
Tue Mar 29, 2016 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Paying Marriage Penalty Tax vs. Cohabitation
Replies: 99
Views: 8161

Re: Paying Marriage Penalty Tax vs. Cohabitation

Regarding, SS, I think that one is a red herring. Most people considering this are reasonably high earners...as a result, they will most likely have very similar SS benefits (and collect on their own record rather than the spousal benefit). My wife passed away last year at an all too young age. As ...
by HopeToGolf
Tue Mar 29, 2016 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Investing Young + LBYM = No Corp Ladder
Replies: 92
Views: 8005

Re: Investing Young + LBYM = No Corp Ladder

8 figures maybe 9 and these folks are on "thin ice"...hard to believe for people that made their money via building businesses and/or corporate jobs (i.e. Not inheritance, entertainment, athletics......sudden wealth).
by HopeToGolf
Sat Mar 26, 2016 3:49 am
Forum: Personal Finance (Not Investing)
Topic: Paying Marriage Penalty Tax vs. Cohabitation
Replies: 99
Views: 8161

Re: Paying Marriage Penalty Tax vs. Cohabitation

There are many who choose this path. A few years ago there was a Planet Money podcast about two economists who chose cohabitation. Essentially, you can come up with various documents to get around most of the problems. Regarding, SS, I think that one is a red herring. Most people considering this ar...
by HopeToGolf
Sun Mar 20, 2016 2:56 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads Code (my short version)
Replies: 27
Views: 4808

Re: The Bogleheads Code (my short version)

Rick-

How does your point of view on and allocation of international in the last year or so fit with your post? It seems you were discussing making a decision to increase your international exposure. Does that imply that you changed your philosophy and/or strategy?
by HopeToGolf
Thu Mar 10, 2016 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab online bank - reviews?
Replies: 19
Views: 2360

Re: Charles Schwab online bank - reviews?

The service is quite good. ATM refunds are a nice feature. I've not had a problem depositing checks since I am able to take a picture and use mobile check deposit.
by HopeToGolf
Sun Mar 06, 2016 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford LTC insurance given my unique circumstances?
Replies: 82
Views: 5157

Re: Can I afford LTC insurance given my unique circumstances?

Sheople2- Good luck and please do come back with your results. One comment, please don't get frustrated with the board. What you experienced is very analytical people looking at the facts and quickly coming to a conclusion. Many have probably looked at the product and decided it didn't work for them...
by HopeToGolf
Wed Feb 17, 2016 5:25 am
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6340

Re: Contacted by three heir locators

Having dealt with an intestate situation in a different state, my thought is you do not need these folks. To stake a claim, my guess is you just need to contact the probate court and the administrator of the estate. With any luck, the administrator is someone independent but it could also be one of ...
by HopeToGolf
Tue Feb 16, 2016 9:28 pm
Forum: Personal Consumer Issues
Topic: Prescription costs on HDHP?
Replies: 10
Views: 804

Re: Prescription costs on HDHP?

Unfortunately we had the opposite experience. The prescription cost under the high deductible plan is INSANE. In the end, the plan still makes sense for us but drug cost is absolutely scary. Knock wood we can afford it but for someone taking many expensive drugs, the savings from the high deductible...
by HopeToGolf
Sun Feb 14, 2016 8:41 am
Forum: Investing - Help with Personal Investments
Topic: I am leaving too much $ on the table by retiring 1 year early?
Replies: 36
Views: 3921

Re: I am leaving too much $ on the table by retiring 1 year early?

For an extra $12K on top of pensions in the $120K range it seems to be worth it. If you have it in you, spend that final year kicking backing and maybe spending more money on your hobbies than you get have. Can you work less during that last year? Take on fewer responsibilities? I hope to be able to...
by HopeToGolf
Sun Feb 14, 2016 7:24 am
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 131
Views: 7770

Re: perfectly happy with cable

Not happy here but reluctantly paying. When I do the math, FIOS is costing me about $50 more per month than a cobbled together cord cutting solution. ~$600 a year is almost worth it for convenience for the wife and kid, not playing help desk to the family (how do I....), access to streaming content ...
by HopeToGolf
Sun Feb 14, 2016 5:23 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 75
Views: 8337

Re: New SUV, $50G, Pilot/Highlander/Other

After recently going through a car search, my advice is to look at the mfg websites (configure options and price), buy consumer reports and when you've narrowed the choices, read the forums for those vehicles and finally test drive and choose. This thread is largely useless with many vehicles not hi...
by HopeToGolf
Thu Feb 11, 2016 2:46 am
Forum: Personal Finance (Not Investing)
Topic: delicate conversation with grandparents
Replies: 42
Views: 3906

Re: delicate conversation with grandparents

Ljgs- A few others pointed out the following theme.....Does having the insurance information matter to your decision making? In short, if you were told the policy does not exist would your child no longer pursue medicine? Assuming the information doesn't alter the decision making, carry on without h...
by HopeToGolf
Fri Feb 05, 2016 6:17 am
Forum: Personal Consumer Issues
Topic: Advice for parents with Perfectionist Child?
Replies: 48
Views: 3645

Re: Advice for parents with Perfectionist Child?

My child shows signs of this and I've employed various ideas for years. Look to establish a growth vs. fixed mindset....Google the concept and Carol Dweck. Also check out Eileen Kennedy-Moore. I have no relationship with these people just familiar with some their work/talks in my quest to be a bette...
by HopeToGolf
Fri Feb 05, 2016 6:02 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6644

Re: Sibling's destination wedding?

For the posters expressing negative opinions about destination weddings, keep in mind that weddings can be expensive and stressful. Sometimes destination weddings can alleviate all of that in one shot. It is very likely the couple does not want everyone to attend and has no expectation that everyone...
by HopeToGolf
Sat Jan 23, 2016 3:00 am
Forum: Personal Finance (Not Investing)
Topic: Am I hurting myself by saving too much? (re: college funding)
Replies: 104
Views: 7144

Re: Am I hurting myself by saving too much? (re: college funding)

Betterfinances Yes, saving money and having a good income hurts your chances at financial aid that does not involve loans. Other than your kids being smart and desirable(star athlete, elite pianist, etc.) you will pay full freight if you have the money. Yes, people that own businesses have ways to s...
by HopeToGolf
Tue Jan 19, 2016 5:31 am
Forum: Personal Finance (Not Investing)
Topic: 54 with potential ER at 55-- Dreaming?
Replies: 33
Views: 5625

Re: 54 with potential ER at 55-- Dreaming?

OP's Firecalc says he is at 93%. If he can't walk, then who can? For those who say, keep working, why? The numbers seem to support ER.
by HopeToGolf
Fri Jan 15, 2016 7:07 am
Forum: Personal Finance (Not Investing)
Topic: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it
Replies: 70
Views: 7454

Re: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it

Your plan depends on how ambitious you are and what you want to do long term in your career. Continuity is important to some employers so they may want to see progression at your age. I suspect this plan is going to lead to a gap in your resume which will be greater than six months. Tough to find an...
by HopeToGolf
Sun Jan 10, 2016 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Employer Equity and Diversification
Replies: 2
Views: 218

Re: Employer Equity and Diversification

Most will probably say plan your investments independent of your RSUs. The prevailing view is to sell RSUs as soon as you are eligible...I do but wish I did not (since the stock continues to rise faster than the market). If you plan to treat RSUs as part of your portfolio, then accept the fact that ...
by HopeToGolf
Sun Jan 10, 2016 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Include 529 in net worth?
Replies: 32
Views: 2488

Re: Include 529 in net worth?

I include it for net worth calculations (which I do not use for anything). I carve it out of most other calculations since it is a sinking fund of sorts and intended to cover a future expense. That said, if the family ran into some sort of huge emergency/disaster, EVERYTHING is on the table as a sou...
by HopeToGolf
Sun Jan 10, 2016 8:03 am
Forum: Personal Finance (Not Investing)
Topic: How to max out retirement accounts with 120K income?
Replies: 40
Views: 5410

Re: How to max out retirement accounts with 120K income?

I suspect that by maxing the retirement funds available to you, the math shows you will have a better retirement lifestyle than you do today. Since you have a pension, I am assuming you will not retire before 55. Long story short, your original plan has you saving too much. Start with a calculator t...
by HopeToGolf
Sun Jan 10, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Permanent Employee or contracting job?
Replies: 20
Views: 1161

Re: Permanent Employee or contracting job?

Wow, thanks everyone. I was initially going to bite the $55/hr offer but push it max to $60 but had no facts/counter-points to argue with the agency. I have never done contracting before and it could've been a bad start if I stayed with the initial offer. Come Monday I'm going to have a nice talk! ...
by HopeToGolf
Sun Jan 03, 2016 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Premier 2015 Free @ Fidelity (premium customers)
Replies: 35
Views: 5426

Re: Turbo Tax Premier 2015 Free @ Fidelity (premium customers)

I looked at the offer after I read these comments, and I think its a little bit misleading - it says "start for free". You then pay with your refund, with a $34.99 transaction fee. That's how I interpret it anyway. I was able to download it for free. Typically, you have to pay to do that ...
by HopeToGolf
Sat Jan 02, 2016 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Hedging against the future of healthcare costs by buying healthcare equities index?
Replies: 24
Views: 1499

Re: Hedging against the future of healthcare costs by buying healthcare equities index?

Good idea but I think your "hedge" has too many factors that are not correlated to deem it effective. Given all the negative political buzz on healthcare companies, I can see a future where the healthcare index may not perform as well as an investment in total market. They were already tax...
by HopeToGolf
Wed Dec 30, 2015 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Premier 2015 Free @ Fidelity (premium customers)
Replies: 35
Views: 5426

Turbo Tax Premier 2015 Free @ Fidelity (premium customers)

Fidelity is offering 2015 TurboTax premier free for certain types of customers. As afar as I can tell, the product is offered free of charge if you are a Premium Services customer.
by HopeToGolf
Fri Dec 25, 2015 3:04 pm
Forum: Personal Consumer Issues
Topic: Burial plans and Being buried in a National Cemetary
Replies: 16
Views: 1330

Re: Burial plans and Being buried in a National Cemetary

Dm200

The process is very straightforward. It will be made MUCH easier if your survivors have your DD-214. The military can figure out things using a SS number but the DD-214 makes things go smoother and faster.
by HopeToGolf
Sat Dec 19, 2015 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Can I Afford an $800k Home on $4K/month Take Home?
Replies: 146
Views: 11855

Re: Can I Afford an $800k Home on $4K/month Take Home?

livesoft wrote:The OP's twins are not in school yet. I predict those twins end up in private school at a cost that the OP has not factored in yet. :)


Not going to happen if he buys the $800K house and his compensation only keeps up with inflation. He cannot afford private school.
by HopeToGolf
Sat Dec 19, 2015 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Can I Afford an $800k Home on $4K/month Take Home?
Replies: 146
Views: 11855

Re: Can I Afford an $800k Home on $4K/month Take Home?

I think you can probably afford it. My recommendation is to run firecalc using your post-house purchase numbers and see where you land in terms of retirement. What you should be realistic about are your spending habits. You inherited and invested $300K 18 years ago. With decent returns that would be...
by HopeToGolf
Sun Dec 06, 2015 5:30 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 169
Views: 12238

Re: A car nicer than the boss?

Driving a R8 or Bentley GT you have to be comfortable with who you are and your conspicuous consumption. If you are comfortable people looking at you and engaging in periodic conversations about your cars and financial situation, buy the car and enjoy it. You will be noticed and talked about or enga...
by HopeToGolf
Sat Dec 05, 2015 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Planned to retire 4/29/16 but now??
Replies: 9
Views: 2239

Re: Planned to retire 4/29/16 but now??

Set expectations consider yourself a OMYer. Deals take time to close and sorting out who should stay or go takes time...especially in Fortune 100-200 companies. I suspect by the time you know if you are going to be severed or not, you may be close to the next year's bonus. That darn bonus keeps pull...
by HopeToGolf
Sat Nov 28, 2015 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Heading toward divorce- what to look out for?
Replies: 51
Views: 9169

Re: Heading toward divorce- what to look out for?

Suggestion: professional marriage therapy asap. Most of 'what they do' is facilitated communication in a non-confrontational environment, and giving you tips/tricks to improve your communication skills at home to prevent a repeat of the falling out you just had. It could be the best money you ever ...
by HopeToGolf
Wed Nov 11, 2015 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much car can we afford?
Replies: 29
Views: 2378

Re: How much car can we afford?

I just want to know about the $600K in public sector jobs...where, what do you do and what is your education/experience.

Yes. You can afford a Tesla.
by HopeToGolf
Sat Oct 24, 2015 6:15 am
Forum: Investing - Theory, News & General
Topic: Clarification on retirement savings "benchmarks"
Replies: 7
Views: 1239

Re: Clarification on retirement savings "benchmarks"

I always found that guidance strange. When they say "salary" is that measured at the age in question? In some cases with rising compensation, it could be difficult to hit the mark.
by HopeToGolf
Sun Oct 04, 2015 3:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2901
Views: 611373

Re: U.S. stocks in freefall

It's so hard to catch the absolute bottoms. I often found that when I thought I was putting money into stocks when they were down a lot, they dropped more the following day. I have to disagree. One way to catch the bottom is to buy every single day. :twisted: Or if one rebalances on a day they thin...
by HopeToGolf
Sun Oct 04, 2015 3:10 am
Forum: Investing - Help with Personal Investments
Topic: To pay for [children's] college education? Or not ...
Replies: 206
Views: 14876

Re: To pay for college education ? Or not ...

Tzukulika- The $50K in a 529 and the rest in taxable is a good balanced approach. The bottom line is you do not know what kind of school your children will attend or the cost. However, if you want to pay for their education 100%, do your best to ensure you do not spend the money. I think it is a ver...
by HopeToGolf
Sun Oct 04, 2015 2:53 am
Forum: Investing - Help with Personal Investments
Topic: To pay for [children's] college education? Or not ...
Replies: 206
Views: 14876

Re: To pay for college education ? Or not ...

I'm not a dad YET, but I have nephews and nieces. As a former Marine, and a benefactor of the GI Bill, I have been secretly (my sister doesn't like the idea) been encouraging the boys to join the Air Force or Navy when they graduate high school in order to gain some maturity, life experience, and a...
by HopeToGolf
Sun Oct 04, 2015 2:01 am
Forum: Personal Finance (Not Investing)
Topic: HSA, FSA, and all that jazz [Health Savings, Flex Spending Acc'ts]
Replies: 12
Views: 1103

Re: HSA, FSA, and all that jazz [Health Savings, Flex Spending Acc'ts]

One additional question. My wife and I decided we'll both go on the HDHP (we both work for same employer, if I haven't mentioned that already). In that situation, are we supposed to both open individual HSAs for each of us, or do we open one family HSA and use that for both of our expenses? If each...
by HopeToGolf
Wed Sep 30, 2015 3:29 am
Forum: Personal Finance (Not Investing)
Topic: Laid off today.. please advise
Replies: 35
Views: 5247

Re: Laid off today.. please advise

Depending on whether or not you would like to continue in the industry or eventually go back to the employer down the road, get an attorney who is willing to go back to the employer to negotiate. In fact, regardless of your career aspirations I would consider that option. The company wants the waive...
by HopeToGolf
Sat Aug 29, 2015 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Joint finances and cash management
Replies: 38
Views: 3160

Re: Joint finances and cash management

Our system is similar to RobinCT except we deposit our checks into one account and carve out a small allowance that we direct to separate accounts. Joint checking - both paychecks used to pay bills Individual Checking - "allowance" we each get to spend any way we like (golf, shoes, pottery...
by HopeToGolf
Thu Aug 27, 2015 3:14 am
Forum: Investing - Theory, News & General
Topic: VHT down 27% - Glitch or missed opportunity
Replies: 59
Views: 7578

Re: VHT down 27% - Glitch or missed opportunity

Interesting thread.

While IJS Is not a Vanguard ETF the others are.....is this happening mainly to the Vanguard ETFs?
by HopeToGolf
Sat Aug 15, 2015 2:50 am
Forum: Investing - Help with Personal Investments
Topic: College savings
Replies: 40
Views: 2499

Re: College savings

Streptococcus If you look back ten years many said the same thing about tuition and it continued to rise. I hope I am wrong but I predict that it will continue to rise but at a lower rate. The bottom line is the programs for loan forgiveness and a large portion of wealthy and foreign students willin...
by HopeToGolf
Mon Aug 10, 2015 3:44 am
Forum: Personal Consumer Issues
Topic: Buying a Rolex Watch
Replies: 74
Views: 7365

Re: Buying a Rolex Watch

It is a luxury item not an investment and many people into horology treat purchases that way.

However, mine have held up in value plus inflation due to a strong aftermarket and price increases. Make no mistake, had I invested in a S&P 500 index fund I would have something of greater value.
by HopeToGolf
Wed Jul 29, 2015 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 7563

Re: Divorce

I'm married and hope I never experience a divorce, but I try to manage and track individual and joint finances carefully just in case my domestic bliss ever goes south. What I have never understood is why people lose (or give away) assets that rightfully belong to them in a divorce. Can't all this ...
by HopeToGolf
Sat Jul 25, 2015 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Mom Investment CEO Needs Help!
Replies: 26
Views: 2387

Re: Mom Investment CEO Needs Help!

Nice job on the savings. $120k on $250k income is awesome. As noted above, run FireCalc. You are doing a good job with the Investment side of the equation but knowing your expenses in retirement and income will give you and your husband valuable information. Lastly, can you work outside the home and...

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