Search found 203 matches

by PlayingLife
Fri May 26, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Things to do in NYC with a 14 month tomorrow?
Replies: 2
Views: 85

Things to do in NYC with a 14 month tomorrow?

Second thread for today... We're thinking about going into NYC tomorrow with our 14 month old...coming up with two agendas depending on rain/no rain. We looked at the children's museum but it looks like our child is a bit too young. If it's nice, we're thinking of picking up some lunch at Eataly and...
by PlayingLife
Fri May 26, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 14
Views: 335

Septic Pumping - Did I get ripped off?

So I called the first septic pumping company I found, which is local and had a coupon in one of those mailer marketing packets. Here is the itemized breakdown of costs.... 1. "Charges" = $450.00 (Two 1,000 gallon tanks) 2. "Labor" = $125.00 3. "Misc." = $50.00 4. Coupon...
by PlayingLife
Fri May 26, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Cheap gym shirts w/ certain materials
Replies: 13
Views: 1403

Re: Cheap gym shirts w/ certain materials

Champion C9 stuff at Target. Similar synthetic stuff at Walmart. I bike and run in the humid mid-Atlantic; this stuff has never felt clingy, except after I jumped in the pool wearing it. I can't imagine extended exercise in the summer wearing cotton; talk about clingy. Picked up a Champion C9 shirt...
by PlayingLife
Wed May 24, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Cheap gym shirts w/ certain materials
Replies: 13
Views: 1403

Cheap gym shirts w/ certain materials

Hi BH's, Anyone have recommendations for where I can buy relatively cheap gym shirts that hold up and are 100% cotton, or another material that does not easily shrink or stick to my skin (no polyester, for example)? I have some shirts that are way to thin and cling to me, and some that seem to absor...
by PlayingLife
Tue May 16, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: New Graduate w/ Large Loans & New Job - Options
Replies: 25
Views: 1709

Re: New Graduate w/ Large Loans & New Job - Options

Congrats on finishing your education and a pretty nice salary. I don't know if you are single or what type of area you live in but if I were in your shoes this is what I would do. I would contribute the full $6000 to my company to get the 75% match. Then I would figure out a way to live on $20-25k ...
by PlayingLife
Thu May 11, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with new offer Vs. current position
Replies: 12
Views: 1345

Re: Struggling with new offer Vs. current position

Actually I'm a little surprised by all the encouraging feedback to consider leaving....I'm hard on negotiations but my Catholic guilt holds me back a bit! The commute would be better....travel may increase a bit, but it would be NA travel as opposed to global travel. I think the global travel offers...
by PlayingLife
Thu May 11, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with new offer Vs. current position
Replies: 12
Views: 1345

Struggling with new offer Vs. current position

After 8 years with my current company, I participated in my first round of interviews with an outside firm. Things went well and it appears I will be offered a regional management position with a 20% pay increase. The new firm is a little less than half the size of my current company, but the divisi...
by PlayingLife
Fri Apr 21, 2017 6:23 am
Forum: Personal Consumer Issues
Topic: Improving my Math Skills
Replies: 27
Views: 3128

Re: Improving my Math Skills

I don't nearly know as much about math as what others have posted, but incase you are thinking of going back to school to get an MBA someday, or just incase you want a disciplined way of studying math without breaking the bank, you could study and take the GMAT. The Mckinsey books on math cover a wi...
by PlayingLife
Fri Apr 21, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 12502

Re: You can never go "home" - retirement

My parents live on a beautiful piece of country property in the mountains...things aren't so good now and I don't expect them to be in the house for long. Every time I go there I stand on the deck, look at the mountains, and get upset about my "home" being gone someday....but this forum co...
by PlayingLife
Thu Apr 20, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicating your bonus to something
Replies: 30
Views: 2927

Re: Dedicating your bonus to something

Retirement accounts are planned to be maxed with auto withdrawal, so with emergency fund and most things in order, we did the following.... 10% towards child's 529 10% towards some personal purchases (handbag, fishing gear, clothes) 10% towards a savings account for home remodeling/upgrading 70% tow...
by PlayingLife
Thu Apr 20, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 8110

Re: Mens Blue Jeans - What are we buying now?!

In terms of quality and longevity, I've really loved the Banana Republic denim over the past 7/8 years, but it usually does come with hefty price tag. It was $90 without a sale for a while...just checked the website and it's up to a whopping $118. I probably will skip them if I can't get them on a g...
by PlayingLife
Wed Mar 22, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 Fees
Replies: 15
Views: 1527

Re: Utah 529 Fees

Thanks everyone - at the end of the day, I guess there really is not a major financial difference between some of the other top ranked funds and Utah. Thanks again for the clarification.
by PlayingLife
Wed Mar 22, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 Fees
Replies: 15
Views: 1527

Utah 529 Fees

BH's, Recently used the forum on advice towards picking a 529. I settled upon Utah and went to set it up for my child this evening. I chose the "customized investments" with hopes of doing 80/20 Vanguard total index and total bond, and noticed a 0.2% fee that is tacked on to the individual...
by PlayingLife
Wed Mar 22, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: What instrument to keep emergency fund in?
Replies: 16
Views: 891

Re: What instrument to keep emergency fund in?

AMEX Personal Savings Account...0.9% growth rate. Missing the good old days of 3-6%!
by PlayingLife
Mon Mar 20, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Utah Vs. New York 529 - Which one and why?
Replies: 18
Views: 1133

Re: Utah Vs. New York 529 - Which one and why?

Thanks everyone! I actually agree fully with the last post...I think either are fine options. Leaning towards NY but again, either sounds fine. Thanks for your help BH's, case closed.
by PlayingLife
Mon Mar 20, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Utah Vs. New York 529 - Which one and why?
Replies: 18
Views: 1133

Re: Utah Vs. New York 529 - Which one and why?

Actually sorry..I imagine this should technically be posted under investments.
by PlayingLife
Mon Mar 20, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Utah Vs. New York 529 - Which one and why?
Replies: 18
Views: 1133

Utah Vs. New York 529 - Which one and why?

BH's,

We're ready to make our first deposit, to our first child's 529. Our little one is about 1 year old and we live in NJ. I've done a lot of research on the Utah and NY plans and feel one of these would be best. Could you please share your opinion with a little detail?
by PlayingLife
Fri Mar 03, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Typical baptism gift as a Godparent?
Replies: 9
Views: 766

Re: Typical baptism gift as a Godparent?

Child is about 7/8 months. Thanks for the responses!
by PlayingLife
Fri Mar 03, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Typical baptism gift as a Godparent?
Replies: 9
Views: 766

Typical baptism gift as a Godparent?

Quick question - I'm a Godparent to a very close friend's child and the baptism is in a few weeks....I'm sure the answers are all over, but to get a general sense of what's reasonable, what sort of gift do you think is appropriate? For now, I'm planning on a card and check. Thanks for your insight!
by PlayingLife
Mon Feb 20, 2017 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Personal finance - what to do next? | Update from December
Replies: 2
Views: 668

Re: Personal finance - what to do next? | Update from December

Yeah I understand the 1% return idea...our emergency fund and this car fund would actually sit the AMEX personal savings account which has a 0.90% return. With a car though, I feel we can deal with it if there is a downturn in market. I guess either way is a flip of the coin, thanks for your response.
by PlayingLife
Mon Feb 20, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Personal finance - what to do next? | Update from December
Replies: 2
Views: 668

Personal finance - what to do next? | Update from December

Two big questions at the bottom of this message! I originally posted this topic in December (see below), but have made some decisions since then and now would like some further refinement - thank you for the previous help as you have strongly influenced my position. https://www.bogleheads.org/forum/...
by PlayingLife
Mon Feb 20, 2017 9:03 am
Forum: Investing - Help with Personal Investments
Topic: How are prices determined?
Replies: 18
Views: 920

Re: How are prices determined?

Zola ---> Let's start with an IPO (Initial Public Offering). Facebook for example, held an IPO when they wanted to take the company public. They meet with privileged investors, and sell the company (in the form of shares) to the investors who take part in the IPO. The Facebook execs then take this m...
by PlayingLife
Mon Feb 20, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: General thoughts on maxing HSA's
Replies: 9
Views: 1066

Re: General thoughts on maxing HSA's

I've had one for 6 years or so and I'm in my 40s. I have zero worry about the viability or usability of the contributions or growth going forward. If that comes to pass somehow, I boldly predict that the contents of your HSA won't be at the top of your socioeconomic problems list I think plyd picke...
by PlayingLife
Sun Feb 19, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: General thoughts on maxing HSA's
Replies: 9
Views: 1066

Re: General thoughts on maxing HSA's

Okay...I'm more clear on HSA's now. Of course we don't know what the future holds, but if a married couple generally makes it through life, to age 65, without critical medical disasters, this HSA can sort of work like an additional retirement vehicle. The funds can be taken out at 65 and taxed, but ...
by PlayingLife
Sun Feb 19, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: General thoughts on maxing HSA's
Replies: 9
Views: 1066

General thoughts on maxing HSA's

Supporters of annually maxing an HSA, do so because of the triple tax benefit, to help grow and withdrawal income for when eventual large medical bills appear. Is this the reason to max an HSA annually, even if you don't believe you'll spend much out of pocket during the year or following few years?...
by PlayingLife
Thu Feb 16, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Silly math question [Percentage gain]
Replies: 10
Views: 1066

Re: Silly math question [Percentage gain]

It's "% of goal", not "% over goal". I could have achieved the lowest of 80%, anything lower I would get $0. Likewise, there is also a cap of I believe 120%. So in this case, I would get 120%. Or they will be tough and argue for 116% like others have mentioned. Thank you again.
by PlayingLife
Wed Feb 15, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Silly math question [Percentage gain]
Replies: 10
Views: 1066

Re: Silly math question

Okay let's be real, my goal was to achieve 0.5% growth in profit. I over achieved and management did the math wrong :sharebeer .....or right depending on their intent!

Thanks for the super clear feedback. I did do well on the GMAT at one point in the past.... :oops:
by PlayingLife
Wed Feb 15, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planner for my Parents
Replies: 6
Views: 662

Re: Financial Planner for my Parents

Thank you so much for your advice…all the posts were exceptionally helpful. With your responses, I consider the following actions…. 1) Contact a senior attorney to arrange POA and Medical POA (Didn’t even know these were separate). Wills and beneficiaries are in place, but this should be re-reviewed...
by PlayingLife
Wed Feb 15, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Silly math question [Percentage gain]
Replies: 10
Views: 1066

Silly math question [Percentage gain]

Say your original value is 30.79. Say your goal to achieve 100% success is 31.29 (gain of +0.5). And say you actually achieve 31.87. What is your percentage gain in terms of success over the target? In other words, if 0.5 over 30.79 (total of 31.29) is 100%, then 1.08 over 30.79 is ? %? Could you pl...
by PlayingLife
Wed Feb 15, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Financial Planner for my Parents
Replies: 6
Views: 662

Financial Planner for my Parents

BH's, Say the words "Financial Planner" on here, and I know the expected response. I agree. However, here is my situation: On lifestyle: *One of my parents is going downhill fast and may need professional assistance within the next two years, and my other parent is not coping well with the...
by PlayingLife
Mon Feb 06, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is this car insurance claim able to be filed?
Replies: 5
Views: 540

Re: Is this car insurance claim able to be filed?

I thought collision would cover this! I think they have collision with a $500 deductible. They were thinking since it was their fault, and on their property, they couldn't claim. I haven't had car insurance in a long time so I really am not too familiar and needed this info in a pinch - thank you as...
by PlayingLife
Mon Feb 06, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is this car insurance claim able to be filed?
Replies: 5
Views: 540

Is this car insurance claim able to be filed?

Hi BH's, Not positive if this is the right forum - apologies if it's not. A family member went to park their car near some woods on their property, and the truck backed up too far and went over a small ridge. It was pulled out by a friend today and the side mirror popped off. It sounds like the door...
by PlayingLife
Fri Jan 20, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: NJ Daycare Costs: What do you pay?
Replies: 10
Views: 1624

Re: NJ Daycare Costs: What do you pay?

Thanks for the info on NAEYC - this is what I thought, a basic association that people pay into, used as a marketing tool. Based solely on two responses, it sounds like $1500 a month is expected for what is considered a nice daycare. The place we are looking at is in one of the HCOL priced north Jer...
by PlayingLife
Thu Jan 19, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: NJ Daycare Costs: What do you pay?
Replies: 10
Views: 1624

NJ Daycare Costs: What do you pay?

1. How much do you (or did you within the past 3 years) pay for daycare monthly, for a 1 year old? 2. How did that cost change over time? 3. How did that cost change when you brought additional children in? 4. Do the daycares you mention have the same/similar accreditations as is listed below, and w...
by PlayingLife
Wed Jan 11, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on salary negotiation
Replies: 9
Views: 1414

Advice on salary negotiation

General background: When I joined my company, I had experience related to my field, yet I was a junior compared to some of the best people at my firm with similar jobs. Over the following 6 years, I have put an enormous effort into self-development and education. My job achievements can be financia...
by PlayingLife
Wed Jan 11, 2017 7:58 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 19937

Re: Sad News About a Respected Forum Member

BH's is truly a community and not just a simple forum. There is a lot of respect and excellent knowledge on here, and people like Lee have built BH's as it exists today. Thank you Lee for working to create something special. Your advice has truly impacted lives for the better....I'm sure there have ...
by PlayingLife
Wed Dec 07, 2016 8:46 pm
Forum: Investing - Theory, News & General
Topic: Am I estimating these retirement future earnings correctly?
Replies: 13
Views: 1490

Re: Am I estimating these retirement future earnings correctly?

Thanks for all the feedback everyone....out of all the statements made, I agree most with the following: Initial estimates from decades out will be wildly inaccurate. ...so I understand there are many ways of looking at things, and no perfect model. We want to make sure we are comfortable in retirem...
by PlayingLife
Tue Dec 06, 2016 7:03 pm
Forum: Investing - Theory, News & General
Topic: Am I estimating these retirement future earnings correctly?
Replies: 13
Views: 1490

Am I estimating these retirement future earnings correctly?

I am trying to predict future total retirement fund availability 30 years down the line, and then future growth of the portfolio throughout the first 20 years of retirement. Assume a typical Vanguard 3 fund index portfolio. Here is the model I have been using, and the rough estimates I have come up ...
by PlayingLife
Mon Dec 05, 2016 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2686

Re: Lost: Could really use some advice on our next round of financial goals

Is your benefit package disability tied to an injury on the job? If so, you might want something that pays if you break both legs while skiing. I'm making the wild assumption that your industry is not related to skiing…. :happy No....so okay, something to look into. Between childcare, life insuranc...
by PlayingLife
Mon Dec 05, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2686

Re: Lost: Could really use some advice on our next round of financial goals

Another vote for maxing both 401Ks. Best bang for your buck. With that kind of income it shouldn't be much of a hassle. Save as much as possible in the 401Ks now because who knows what will happen in the future (stay at home with kids, job loss, moving, etc). Actually, this is a good point. It woul...
by PlayingLife
Mon Dec 05, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2686

Re: Lost: Could really use some advice on our next round of financial goals

Do you have term life insurance and long term disability insurance?


Yes we added a large term life policy when our son was born and long term disability is covered via our benefits packages + size-able emergency fund
by PlayingLife
Mon Dec 05, 2016 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2686

Re: Lost: Could really use some advice on our next round of financial goals

The only debt is a $360k mortgage and on a $250k income you're not maxing out 401K or HSA? You must have expensive tastes indeed if you're willing to pay 34-39% in federal and state income taxes to fund your lifestyle. Well, I did at least forget to mention ~$1800/month for child care expenses. I g...
by PlayingLife
Mon Dec 05, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Spouses and spending styles...
Replies: 53
Views: 6014

Re: Spouses and spending styles...

Ollie, If you look at my recent post from today, you will see I am a bit confused on how to handle finances for the time being....where I am today, is probably where you will be, two years after buying your house. Anyway, given your situation, it does seem the two of you are definitely not fully ali...
by PlayingLife
Mon Dec 05, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Lost: Could really use some advice on our next round of financial goals
Replies: 25
Views: 2686

Lost: Could really use some advice on our next round of financial goals

Hi BH's, While my wife and I saved for a house, filled the house with furniture, and towards increasing 401k contributions, financial objectives were fairly straight forward the past five years. Now we've hit some milestones, and are a bit puzzled on how to manage finances moving forward. Here are s...
by PlayingLife
Fri Nov 04, 2016 6:36 pm
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 5323

Re: Gaming system for kids?

In my opinion, the best system for a 7 year old, will be the new "Nintendo Switch", but it is not due out until March.... http://www.forbes.com/sites/davidthier/2016/11/04/nintendo-drops-a-big-hint-about-the-switchs-price-point/#636549a62466 This system will likely have a variety of games ...
by PlayingLife
Wed Jul 13, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: Gift Giving for Internal Meeting
Replies: 7
Views: 695

Gift Giving for Internal Meeting

Hi BH's, In October my team will host a sales meeting with some other colleagues from around the world. The meeting will take place in Europe, hosted by an American team. There will be several people present from all regions, and we were considering handing out small gifts ~$25 for each team member....
by PlayingLife
Mon Jun 20, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Was your nanny hired by the books?
Replies: 10
Views: 1262

Was your nanny hired by the books?

My wife and I are looking to hire a nanny for our child. My wife is lucky enough to have a job where she can work from home 100% of the time, so she will be home, but we still definitely need a full time nanny. We have arranged some interviews via care.com and I just started to dive into the legal a...
by PlayingLife
Sun Jun 12, 2016 10:36 pm
Forum: Investing - Theory, News & General
Topic: John Oliver covers retail investment industry on Last Week Tonight
Replies: 114
Views: 17363

Re: John Oliver covers retail investment industry on Last Week Tonight

Just finished the episode....it seriously comes across as a total nod towards BH's. Such a great episode...I have really come to enjoy this show big time. The fee example (2/3's) sounds really big...but still, the point is definitely made.

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