Search found 226 matches

by PlayingLife
Tue Jul 25, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Helping Parents: CFP or Elder Law Attorney
Replies: 14
Views: 731

Re: Helping Parents: CFP or Elder Law Attorney

Your mother should contact the administrator of your father's pension plan to find out if she will receive a survivor benefit. Whether it is a government pension, corporate pension, or union pension, your parents should have paperwork showing how to contact the administrator. Your father is not goi...
by PlayingLife
Tue Jul 25, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Helping Parents: CFP or Elder Law Attorney
Replies: 14
Views: 731

Re: Helping Parents: CFP or Elder Law Attorney

One last thing - they do have wills I just need to get the details, and I do not think POA for myself or my sibling has been arranged, will also discuss this.
by PlayingLife
Tue Jul 25, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Helping Parents: CFP or Elder Law Attorney
Replies: 14
Views: 731

Re: Helping Parents: CFP or Elder Law Attorney

Okay I see a lot of questions asking me to alleviate further to the exact situation, to determine in what order to hire a CFP and Elder Law Attorney. Thank you for your responses thus far, here are the remaining details: *Parents: Age 73 and 67. Mom's health is fine and Dad suffers from Aphasia, his...
by PlayingLife
Mon Jul 24, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Parents: CFP or Elder Law Attorney
Replies: 14
Views: 731

Re: Helping Parents: CFP or Elder Law Attorney

Hi Carefree, Sorry, I'm not sure why this info is necessary as I am not using this thread to investigate solutions? This post is to figure out who to contact first, and what things an elder law attorney can help with - correct me if I am wrong please and thank you for looking. I have all their asset...
by PlayingLife
Mon Jul 24, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Helping Parents: CFP or Elder Law Attorney
Replies: 14
Views: 731

Helping Parents: CFP or Elder Law Attorney

Hi everyone, Should I hire a CFP first or Elder LA? What can I expect from the LA? 1. Parents have a wide collection of assets and revenue streams that needs to be formerly reviewed and likely consolidated and/or optimized: two annuities, individual stock, a paid off house, a couple of savings accou...
by PlayingLife
Sun Jul 16, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 4814

Re: Cutting the Cord: Who's Best?

Was really nervous about DirectTV Now given all the horrible existing reviews. However, my wife wanted to try it first based on their package selection. We're 3 weeks in and I'm blown away by how smooth it is in our area. Also, HBO is only $5 a month and we prepaid two months (took a big gamble here...
by PlayingLife
Sun Jul 16, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 2633

Would you look for a general handyman for these home jobs?

I have a bunch of odd jobs around the house where I'd rather hire someone to take care, to ensure the job gets done right. Here are some that come to mind.... 1. Replace/fix radon fan on the roof which seems to be not running 2. Install a quality filter system on our furnance, replacing the cheap di...
by PlayingLife
Sat Jul 01, 2017 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else got all their eggs in only the Vanguard basket?
Replies: 41
Views: 3932

Re: Anyone else got all their eggs in only the Vanguard basket?

Sorry for everything happening lately...I have a Vanguard IRA and 401k and am fine with this. I don't think you need to worry, and I love the simplification. You may want to spend more time on Bogleheads learning about desired asset location across Vanguard funds before choosing, just to consider th...
by PlayingLife
Thu Jun 29, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on excepting a lower 401K employer match
Replies: 10
Views: 827

Re: Thoughts on excepting a lower 401K employer match

I think your title should be "Thoughts on accepting a lower 401k employer match". 1.5% of $18,000 = $270, that is what you would be missing each year. I don't see that OP gave the formula. You can't calcuate 1.5% of the limit to find the lost amount. Easy example: suppose now OP makes $10...
by PlayingLife
Thu Jun 29, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on excepting a lower 401K employer match
Replies: 10
Views: 827

Re: Thoughts on excepting a lower 401K employer match

clydewolf wrote:I think your title should be "Thoughts on accepting a lower 401k employer match".

1.5% of $18,000 = $270, that is what you would be missing each year.


Yikes, embarrassing! That's what I get for rushing, thank you for pointing out that mistake!
by PlayingLife
Wed Jun 28, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on excepting a lower 401K employer match
Replies: 10
Views: 827

Thoughts on excepting a lower 401K employer match

Hi BH's, I have a job offer that came in and it's generally what I want, except my employer 401K match would drop 1.5%. It's a couple of thousand dollars difference at the end of the day. How much would this bother you? What would your total comp % increase have to be, to accept a decrease in 401K c...
by PlayingLife
Sun Jun 25, 2017 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Two potential job offers and buying time - please help!
Replies: 13
Views: 1536

Re: Two potential job offers and buying time - please help!

It's valuable to keep it simple. Explain that you are actively interviewing with another company and that you will not have a response until it completes. You can also ask Company 2 whether they can move the interview up because you've received an offer with another company. Don't go into detail re...
by PlayingLife
Sun Jun 25, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy an $800k house?
Replies: 89
Views: 6571

Re: Should I buy an $800k house?

For comparison, our annual income before taxes is between $240 and 260. We bought a $480K house with 20% down and have a monthly payment of $3K including taxes. Before that, we lived in 1 bedroom apartment for $1600 - 2100 a month. Three years in, I am really glad we did not go higher with our mortg...
by PlayingLife
Sun Jun 25, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: I need a strategy to address debt and savings
Replies: 38
Views: 4091

Re: I need a strategy to address debt and savings

1. People are offering a lot of good advice. If you start making excuses why you can't follow some of the trends above, then you are not serious about fixing your situation. Please consider this. 2. I really like the Dave Ramsey advice - in your case, I think listening to his Podcast daily would be ...
by PlayingLife
Sun Jun 25, 2017 5:29 am
Forum: Personal Finance (Not Investing)
Topic: Two potential job offers and buying time - please help!
Replies: 13
Views: 1536

Re: Two potential job offers and buying time - please help!

Thanks for the responses so far. Regarding company #2, I actually have airfare booked to meet with them next Friday. I also don't have availability to meet with them any earlier except for maybe next Wednesday after July 4th. I also don't think I can hold off on Company #1 without informing them of ...
by PlayingLife
Sat Jun 24, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Two potential job offers and buying time - please help!
Replies: 13
Views: 1536

Two potential job offers and buying time - please help!

Situation: *Completed several interviews slight over a month ago with company #1- a recruiter originally contacted me for this position *Communication went silent and recruiter informed me they didn't know what was going on. I followed up a couple of times and nothing *I considered the lead dead aft...
by PlayingLife
Sat Jun 24, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation - Is this request common?
Replies: 9
Views: 1645

Salary Negotiation - Is this request common?

Hi BH's, During negotiation for a position in sales management, is it common for the candidate to request a contract to ease the risk of "employed at will" - and should I hire a lawyer to review any such potential offer? Meaning, is it common to request some sort of severance package for e...
by PlayingLife
Tue Jun 20, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: New Septic System for my Parents
Replies: 10
Views: 840

Re: New Septic System for my Parents

Bumping this incase anyone else has experience or is familiar with the matter - I plan to call some engineers tomorrow. Thank you for your help!
by PlayingLife
Mon Jun 19, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: New Septic System for my Parents
Replies: 10
Views: 840

Re: New Septic System for my Parents

I called the Board of Health to get some further guidance, here is what I was told: *The engineer decides if the septic has to get repaired or replaced. At this point, a permit is filed with the town, and the town joins the engineer in doing the soil test and the final assessment as to what has to b...
by PlayingLife
Mon Jun 19, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Cancelled Cable TV Service Today... [Downsized cable service
Replies: 26
Views: 2888

Re: Cancelled Cable TV Service Today... [Downsized cable service

Congrats! We are doing this exact same thing on June 30th, the last paid day of our current service. We are ditching Optimum triple play @ around $190/month. Still, we will not be as independent as you, as we will sign up for Sling TV. Optimum will still get about $70 a month from us for internet. I...
by PlayingLife
Mon Jun 19, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: New Septic System for my Parents
Replies: 10
Views: 840

New Septic System for my Parents

Hi BH's, I am kicking off my involvement in helping my parents purchase and install a new septic system in New Jersey. I've done a brief analysis online, and was hoping some of you could share advice/stories/guidance with me, in helping us complete this process. My main questions: Should I be able t...
by PlayingLife
Mon Jun 19, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 45
Views: 4071

Re: Septic Pumping - Did I get ripped off?

Thanks for all the inputs BH's! Here is the outcome of my situation... Again, original chargers were as follows: 1. "Charges" = $450.00 (Two 1,000 gallon tanks) 2. "Labor" = $125.00 3. "Misc." = $50.00 4. Coupon from the mailer = (-$20) 5. NJ Sales Tax = $41.59 After re...
by PlayingLife
Fri May 26, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Things to do in NYC with a 14 month tomorrow?
Replies: 12
Views: 1160

Re: Things to do in NYC with a 14 month tomorrow?

Good Listener wrote:Just be very careful and keep your eyes open and head low !!


Ugh...I actually was thinking of not going before of this....

Okay thanks for the ideas everyone. A park is likely the best thing for him. Will likely do a picnic, maybe walk the High Line, and call it a day. Thanks!
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: 12
Views: 1160

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: 45
Views: 4071

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: 23
Views: 2699

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: 23
Views: 2699

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: 1853

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: 1494

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: 1494

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: 3328

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: 13104

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: 3155

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: 8670

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: 1667

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: 1667

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: 1025

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: 1340

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: 1340

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: 1340

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: 851

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: 851

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: 692

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: 692

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: 1035

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: 1169

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: 1169

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: 1169

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?...

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