Search found 223 matches

by HopeToGolf
Wed Dec 07, 2016 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Spouses and spending styles...
Replies: 44
Views: 3940

Re: Spouses and spending styles...

It sounds like you and the wife need to write down your goals and timelines and share philosophies. Your job sounds secure and if you were notified that you lost your job, at worst, you will have 6 months to bring your EF back to the existing level. Additionally, your EF goal of $40K is great but it...
by HopeToGolf
Wed Dec 07, 2016 4:53 am
Forum: Personal Finance (Not Investing)
Topic: Hidden Costs of potential new job
Replies: 9
Views: 1213

Re: Hidden Costs of potential new job

1) create a detailed budget on a spreadsheet and be sure to account for taxes and savings. This budget should not include OT. Yes, your friends budget and spent their OT but you should use it to boost savings, save for future expenses, etc. 2) look at the school calendar and figure out who will be c...
by HopeToGolf
Sun Dec 04, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: Merkur Safety Razor = money saved
Replies: 25
Views: 1514

Re: Merkur Safety Razor = money saved

I made the switch about 4 years ago. I wish I had done it 20 years sooner. The only downside is the razors and shaving soaps/creams last so long that I can't tinker with different products without waste.

I bought a sampler pack of blades when I bought my Merkur and it lasted 2 years....literally.
by HopeToGolf
Sun Nov 27, 2016 6:10 am
Forum: Investing - Help with Personal Investments
Topic: IRA for adult children?
Replies: 50
Views: 3581

Re: IRA for adult children?

Good thread. Nothing to add but good luck and thanks for posting for the rest of us. Silly me for thinking when my offspring is older it will be as simple as saying "open a Roth IRA in your name, I'll put some money in it....here's the Boglehead way of investing." Raising kids is tough. I ...
by HopeToGolf
Sun Nov 27, 2016 5:55 am
Forum: Investing - Help with Personal Investments
Topic: I've been leaving money on the table (401k)
Replies: 19
Views: 3407

Re: I've been leaving money on the table (401k)

This year and last year we have left matching money on the table it is hard to plan around DH's bonus. Last year we didn't know that 401k contributions were taken out of the bonus, and this year he got much more than his projected bonus, so we are hitting $18k before his last 2 paychecks. It's frus...
by HopeToGolf
Thu Oct 27, 2016 3:36 am
Forum: Personal Consumer Issues
Topic: Family Calendar
Replies: 19
Views: 1315

Re: Family Calendar

Google calendar should work. You have to decide whether or not you want the family events in Outlook. One option is to have the owner of a Google calendar initiate a calendar entry and invite everyone to the event (including you via your Outlook address). This works in reverse as well, you can invit...
by HopeToGolf
Sat Oct 22, 2016 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 96
Views: 11690

Re: Chase Sapphire Reserve

Two questions on the travel credit: 1) do you have to spend first to get the travel credit? 2) if you don't use your travel credit within a calendar year, can you roll it forward to next year? I'm assuming the answer is no. 1) Not exactly sure what you mean but yes, you spend on a travel related it...
by HopeToGolf
Thu Oct 06, 2016 4:31 am
Forum: Personal Consumer Issues
Topic: Odd question regarding vehicle negotiations
Replies: 17
Views: 1640

Re: Odd question regarding vehicle negotiations

You guys are way over my head on this one. It's pretty funny. I'm no lawyer but even if there was no counteroffer and the OP later was asked for a check and he said he changed his mind, I would venture a guess that no court in the U.S. would make him complete the sale. This is as simple as issues g...
by HopeToGolf
Sun Oct 02, 2016 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 106
Views: 14695

Re: TDBank promo just started easy $600

Bonus cleared. Now I have to get the $$$ out without a penalty. I haven't figured out if it is worth it. I opened an account and then suggested to the wife she should as well and she said "sure, you can open an account under my name, I'm not wasting my time." I get that money is fungible ...
by HopeToGolf
Sun Oct 02, 2016 8:13 am
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 106
Views: 14695

Re: TDBank promo just started easy $600

Bonus cleared. Now I have to get the $$$ out without a penalty. I haven't figured out if it is worth it. I opened an account and then suggested to the wife she should as well and she said "sure, you can open an account under my name, I'm not wasting my time." I get that money is fungible a...
by HopeToGolf
Mon Sep 26, 2016 4:09 am
Forum: Personal Finance (Not Investing)
Topic: Expat: Losing job and moving back to US
Replies: 10
Views: 1578

Re: Expat: Losing job and moving back to US

Update or create a great LinkedIn profile Tell everyone you know that you are looking (network) Negotiate hard with your existing company If the location you plan to move to has a plethora of jobs and companies in your industry then moving in December and renting a home and looking for a job should ...
by HopeToGolf
Tue Sep 13, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 12306

Re: Who is ready for iphone 7?

Understand that over here there would be skeptics, but this is the real deal in terms of trade-in. Hit the $650 trade-in for the iphone 6 on my wife's phone, when I was actually only calling to upgrade my daughter's phone. In her case, she has a 5C for which they were offering an equally absurd reb...
by HopeToGolf
Sun Aug 21, 2016 4:14 am
Forum: Investing - Help with Personal Investments
Topic: Are we there yet?
Replies: 34
Views: 5092

Re: Are we there yet?

Have you modeled the impact of taxes on your withdrawals? I think you can probably call it quits but your $60K-$70K expense estimate is after tax so just a little deceptive. I would make a spreadsheet that shows from which bucket the money comes each year and how much you pay in taxes. At your age y...
by HopeToGolf
Sat Aug 20, 2016 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Is retirement possible?
Replies: 8
Views: 1756

Re: Is retirement possible?

It appears you can pull the parachute now. Congratulations. One very important part of your plan is ensuring you have a good handle on your expenses (including healthcare and taxes). That said, because of your income I think taxes should be very low in retirement and you probably would qualify for A...
by HopeToGolf
Sun Aug 14, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 6342

Re: Joint Accounts - How do you use it?

If you used you need a budget (ynab) it would allow you to have "virtual spening accounts" without actually having to maintain a bunch of different accounts. I tried YNAB for about a year, it taught me one way to think about budgeting, which was good and I am grateful for the learning. Bu...
by HopeToGolf
Sat Aug 13, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 6342

Re: Joint Accounts - How do you use it?

Sounds about right. Our system is a bit more complex but over time you will figure out the nuances that work for your marriage. For example, if one of you is a saver/careful spender, a separate brokerage account to buy a few shares to allow for growth before eventual spending may work. You will have...
by HopeToGolf
Sat Aug 13, 2016 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Payoff Debt at Sacrifice of Leisure?
Replies: 77
Views: 5563

Re: Payoff Debt at Sacrifice of Leisure?

Read sandi_k's post especially the part about the 3 accounts and spending money (ours, mine, yours). One recommendation that may help your wife is to tell her that the value she brings to your marriage is not her salary. My spouse is a well educated professional with a career. Despite us functioning...
by HopeToGolf
Sun Jul 31, 2016 5:28 am
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 7022

Re: New Tipping Practice?

Wow, a lot of you guys are really uptight and/or stingy with your money. OP even mentions they were at a "fast casual" location. I doubt the bill was more than $25. Are some of you really so stingy that you can't swing a few bucks for the staff? It has nothing to do with being stingy or t...
by HopeToGolf
Tue Jul 19, 2016 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation: good idea?
Replies: 11
Views: 1276

Re: Deferred Compensation: good idea?

Faced with a similar choice I am choosing not to defer. A few of the things I considered: 1) Time until retirement. (longer deferral means more benefit but more risk) 2) What happens if you leave or get severed. (paid out as a lump sum per my MegaCo) 3) Stability of the company. (MegaCo is stable bu...
by HopeToGolf
Sun Jul 10, 2016 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Kid
Replies: 63
Views: 6085

Re: Trust Fund Kid

Without being judgemental, try to talk to him about his plans. There are plenty of college graduates who can't find employment in their field and end up in minimum wage jobs. The fact that he dropped out and in one such job is not surprising especially when he could be doing nothing instead. How man...
by HopeToGolf
Tue Jul 05, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Worried about son's finances/life
Replies: 41
Views: 7929

Re: Worried about son's finances/life

OK, I'll bite. Your son sounds like he has a good head on his shoulders. His qualifications sound interesting. If he's ready to go back to a more traditional job after his sabbatical and writing his book, send me his resume via PM. Long story short, some employers might value the way your child has ...
by HopeToGolf
Sun Jun 12, 2016 4:25 am
Forum: Personal Consumer Issues
Topic: Cats in yard, what to do?
Replies: 38
Views: 3248

Re: Cats in yard, what to do?

We called our local animal control....took care of all (yes all) of them in about 2 weeks.
by HopeToGolf
Fri Jun 10, 2016 4:11 am
Forum: Personal Finance (Not Investing)
Topic: Company Being Acquired - Any Advice?
Replies: 51
Views: 5885

Re: Company Being Acquired - Any Advice?

Read your RSU paperwork, all or a portion probably vest upon change of control. Deliver excellent results so current leadership sees you as one worth keeping. When interacting with the new company, be helpful and share information. As a corporate employee, prepare for a layoff. It may not come but b...
by HopeToGolf
Sat May 28, 2016 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Is the AMEX originial (old) Blue Cash worth keeping?
Replies: 11
Views: 1692

Re: Is the AMEX originial (old) Blue Cash worth keeping?

I ran a high level analysis using my annual statement and the old card gives me a rebate rate better than 2%. The fact that the card was discontinued (Amex didn't want to give anyone else the chance to have the card), my analysis was conservative, and I can continue to use it as my one card where it...
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: 11530

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: 11530

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: 2485

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: 1980

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: 3214

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: 20988

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: 4522

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: 9574

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: 9323

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: 9574

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: 5316

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: 3143

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: 6400

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: 7082

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: 944

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: 4278

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: 9448

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: 9165

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: 4301

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: 4131

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: 137
Views: 11471

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: 8324

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: 5848

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: 8335

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: 248

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: 2791

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...

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