Search found 183 matches

by SkierMom
Wed May 18, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Why the Low Quantitative Score on the GMAT?
Replies: 26
Views: 1637

Why the Low Quantitative Score on the GMAT?

Question for those Bogleheads with MBAs - My B.S. degree is in Engineering, yet I scored very low (29/19%) on the Quantitative Section of the GMAT. Ironically enough, I scored high on the Verbal (39/88%). Granted, I took this test after being out of school for 20 years, and I took it dry (no prep cl...
by SkierMom
Wed May 18, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking help with my mother's finances
Replies: 16
Views: 912

Re: Seeking help with my mother's finances

Turnips, I want to say that you appear to be quite capable and adept at making financial decisions. What about a fiduciary from the Garret Financial Planning Network? I think your initial thought to have a plan, considering tax implications etc. was a good one; you just didn't find a great adviser. ...
by SkierMom
Fri Apr 29, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited property and family issues
Replies: 39
Views: 3315

Re: Inherited property and family issues

OP I feel for you. The whole unfortunate situation causes anxiety and stress for those involved, particularly your wife. I went through the same thing with the death of my MIL; my husband's two brothers "assumed" full possession of two cars (GMC Yukon and a Jag) as well as a camper, in add...
by SkierMom
Fri Mar 18, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Should I have my kids participate in school fundraisers?
Replies: 78
Views: 5367

Re: Should I have my kids participate in school fundraisers?

I absolutely loathed the fundraisers my parents and coaches made me participate in. I refuse to have my daughters in Girl Scouts because the focus tends to be solely on selling stupid cookies, of which the troops get a small percentage and Corporate Scouting gets most. My kids have better activities...
by SkierMom
Fri Mar 11, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: What happened to COSTCO free shipping?
Replies: 8
Views: 1273

Re: What happened to COSTCO free shipping?

I'm not liking COSTCO of late.

The whole AMEX thing was poor management. Seems like they are selling more and more items with poor general reviews and bad quality.

There was a BH thread a few months ago on the topic of keeping or dumping COSTCO membership.

I say dump it.
by SkierMom
Thu Dec 10, 2015 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Question about estate/will issues
Replies: 17
Views: 1795

Re: Question about estate/will issues

delamer wrote:In your position, I would ask my father for a copy of the will.


+1 What he said.

I'd also ask for designated Power of Attorney from your father.
by SkierMom
Mon Oct 05, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Inherited hoarder's house. Now what?
Replies: 36
Views: 5412

Re: Inherited hoarder's house. Now what?

Don't overlook the need for a cleaning/pest removal company services. In a true hoarding home, there are threats to public health, mice droppings, animal urine, fire and air quality issues. Consider all your potential expenses for finding, perhaps a minimal number of items that will be worth a minim...
by SkierMom
Mon Oct 05, 2015 12:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Bogle T-Shirt Iron-On]
Replies: 16
Views: 2179

Re: Bogle "Che Guevera" T-shirt

"Viva la Indexaci├│n"

On front or back.

Love it.
by SkierMom
Thu Aug 20, 2015 1:30 pm
Forum: Investing - Theory, News & General
Topic: "Golfers Are Better Investors. . . Right?
Replies: 15
Views: 2189

Re: "Golfers Are Better Investors. . . Right?

Mountain biking is replacing golf for Gen x-ers: http://www.singletracks.com/blog/mtb-news/mountain-biking-is-the-next-golf/ And this..... http://www.thepostgame.com/blog/dish/201202/golf-losing-one-million-players-annually There's no time to listen or to give, bad investing advice hurling yourself ...
by SkierMom
Fri Jul 24, 2015 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Performance review for Boss!
Replies: 20
Views: 2439

Re: Performance review for Boss!

As part of his "review" I would state, in writing, that the review structure is inherently faulty and that you do not wish to take part in further such reviews. You might also want to look at the fact that you chose to work for a company with an idiotic policy. I'm guessing this isn't the...
by SkierMom
Thu Jul 23, 2015 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Performance review for Boss!
Replies: 20
Views: 2439

Re: Performance review for Boss!

As part of his "review" I would state, in writing, that the review structure is inherently faulty and that you do not wish to take part in further such reviews. You might also want to look at the fact that you chose to work for a company with an idiotic policy. I'm guessing this isn't the ...
by SkierMom
Wed Jul 22, 2015 5:22 pm
Forum: Personal Consumer Issues
Topic: Best Place to live for a young family?
Replies: 42
Views: 5180

Re: Best Place to live for a young family?

How about the 2015 list of the Best Towns in California to raise a family?

https://local.niche.com/rankings/towns/best-places-for-families/s/california/
by SkierMom
Wed Jul 22, 2015 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Family budget advice
Replies: 14
Views: 2025

Re: Family budget advice

We used the Dependent Care Deduction (maxed out at $5,000/yr or $416/month) for six years without an adjustment to our withholding, and found that we didn't need to. I would recommend that you maximize it, however. Your daycare costs will exceed $5,000 even with your wife working only 2 days a week ...
by SkierMom
Fri Jun 26, 2015 6:44 pm
Forum: Personal Consumer Issues
Topic: Grade 6, Writing, Resources.
Replies: 10
Views: 1006

Re: Grade 6, Writing, Resources.

With my kids I found their grades to be highly variable from teacher to teacher in K-5. I decided not to worry about it since their comprehensive state grade testing scores reflected average-to above average subject knowledge. The truth is, grades are highly subjective at that level. Sometimes the m...
by SkierMom
Wed Jun 24, 2015 2:23 pm
Forum: Personal Consumer Issues
Topic: Optimize trip to China
Replies: 24
Views: 2849

Re: Optimize trip to China

Would recommend Tibet, but perhaps this is another trip you take later. Staying in China proper, look at Dali or Lijiang as a substitute for Llasa. Lijiang, a city in the northwest part of China's Yunnan province, is home to the Naxi (a matriarchal-based society where you will see woman laying brick...
by SkierMom
Wed Jun 24, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Power of attorney
Replies: 62
Views: 6344

Re: Power of attorney

RE: POA Between Spouses You never know when this will come in handy. Otherwise very healthy 40-something Husband had a bad motorcycle wreck and was incapacitated in nearest city hospital. Per California Law, I was unable to claim his motorcycle carcass from the tow company since my name was not on t...
by SkierMom
Wed Jun 24, 2015 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: 457 Plan: Which provider?
Replies: 8
Views: 1070

Re: 457 Plan: Which provider?

I do not believe you can rollover an IRA into a 457. The 457 plan has different set of guidelines than an IRA (i.e. you can access funds upon separation of employer without penalty if you are younger than 59 1/2 years.) since the 457 were set up for government employees that may have to access money...
by SkierMom
Fri Jun 19, 2015 11:31 am
Forum: Investing - Theory, News & General
Topic: "An Interview With A Boglehead"
Replies: 18
Views: 3002

Re: "An Interview With A Boglehead"

whatusername - thank you for the CalPERS link! I may be too optimistic, but I think CalPERS is one of the better managed state pensions out there.
by SkierMom
Tue Jun 16, 2015 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Nice Milestone Reached Last Week
Replies: 41
Views: 7363

Re: Nice Milestone Reached Last Week

Yay, Jane!

Wish I was on the track at 28 that you are on now.

Good job, woman.
by SkierMom
Tue Jun 16, 2015 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: House Underwater
Replies: 22
Views: 3413

Re: House Underwater

What are you basing your estimated value ($155,000) of the house on? Seems a little low to me. There should have been more appreciation and recovery in the 9 years since 2006. Consider paying a Realtor to pull comps and do a market analysis for the area, and giving you a professional estimated value...
by SkierMom
Thu Jun 11, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 54
Views: 10639

Re: Dave Ramsey

Exactly.

I kinda like Clark Howard if I'm in the mood.

He's humble, great financial advice and investing advice, and he makes no endorsements and does not sell anything to his listeners (though I think he does have a book or two).
by SkierMom
Thu Jun 11, 2015 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 54
Views: 10639

Re: Dave Ramsey

He's worth $55M, clearly he must have done something right :greedy Yes; he recommends that his listeners only use his ELP's (which is the local Edward Jones Rep in my town) for investing. His ELPs pay a kickback fee to him for the endorsement and more money for the referral. He makes his money off ...
by SkierMom
Wed Jun 10, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 24
Views: 2402

Re: Rent a bike in SF, ride to LA, and drop it off?

Raybo: Since my touring days were in my 20's and early 30's, I think I may have forgotten the hassle of traveling with a bike. Breaking it down, packing it, getting on the airlines. Some of my most interesting travel tales involve getting the bike box from the airport late at night into a taxi cab t...
by SkierMom
Wed Jun 10, 2015 11:40 am
Forum: Personal Consumer Issues
Topic: Rent a bike in SF, ride to LA, and drop it off?
Replies: 24
Views: 2402

Re: Rent a bike in SF, ride to LA, and drop it off?

Raybo - I've done some bike touring. I think what you need to key-in & capitalize on are the logistics for bike touring folks. How many different size frames? Will you have tandems? I was looking for a company that rented one-way tandems for a family to ride the Natchez Trace Trailway - NADA. Al...
by SkierMom
Thu Jun 04, 2015 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: DFA Fund help.
Replies: 14
Views: 1999

Re: DFA Fund help.

Artbug: Sorry, I dropped the ball on this post from last month. How did it turn out? Certainly, every company is going to set up their Brokerage Door differently. I did not delve into mine with the depth and details you have offered here, and I say, Good Job! My S&P 500 account at my job is 0.5 ...
by SkierMom
Thu Jun 04, 2015 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Fair Trustee fee
Replies: 16
Views: 1245

Re: Fair Trustee fee

So pretty much the other 2 have signed a few papers and sat back and collected their money. 33% to each. Bit of a bad attitude here. My experience with this is that the Trustee in Charge, you in this case, often gets a little jaded with the amount of work involved liquidating a Trust. My experience...
by SkierMom
Thu Jun 04, 2015 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Quit high paying job to be stay at home parent?
Replies: 44
Views: 5609

Re: Quit high paying job to be stay at home parent?

Looks like you have worked hard to earn the choice of being a SAHM. Go for it!

Nothing is forever. Once the youngest is in Kindergarten, staying home lost its' appeal to me and I went back to work. New job paid almost double what I made pre-kids.
by SkierMom
Thu Jun 04, 2015 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing over finances.
Replies: 70
Views: 7126

Re: Divorcing over finances.

I'm sensing a need for Boglehead Dating Service. I'm the saver, and the Type A Personality in my marriage. To me, my husband keeps me balanced in his spontaneity, and yes, his impulsiveness with money that usually involve really fun outdoor toys for the family and cool off-the-beaten path vacations ...
by SkierMom
Wed May 27, 2015 4:10 pm
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 79
Views: 15260

Re: Let's hear your Dave Ramsey success stories

It's hard for me to do something that seems mathematically dumb even if it will feel good to have it paid off. Most of the arguments for paying off a mortgage revolve around, "It FEELS good." I like listening to Dave Ramsey for the entertainment value - I'm alone in my car on my commute h...
by SkierMom
Tue May 26, 2015 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance as college saving
Replies: 13
Views: 990

Re: Life insurance as college saving

OP: We are also in California. Our local school district is inept at vetting presenters at school-sponsored College Planning Nights. These presenters are thinly-veiled insurance salesman that pitch the "borrow against whole life insurance policy to pay for your kids college" principals. No...
by SkierMom
Tue May 26, 2015 11:13 am
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 7451

Re: Still make sense to have AAA membership?

Nope.

1.) Pay for emergency roadside assistance with my auto insurer, at a 1/3 cost of a AAA annual membership.


2.) (FREE) Google Earth Pro & Google Maps.


3.) Priceline.com for hotel/car rental deals beat out AAA discounts.
by SkierMom
Fri May 22, 2015 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Whole life or term life?
Replies: 35
Views: 3489

Re: Whole life or term life?

This may be a case where permanent life insurance makes sense. He might consider universal life. Another option is to investigate group life insurance options at his employer and understand the age limitations/conditions/underwriting. The fact of the matter is that this guy has huge liabilities tha...
by SkierMom
Thu May 21, 2015 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Whole life or term life?
Replies: 35
Views: 3489

Re: Whole life or term life?

He is wanting to buy whole life. His reason is: if he invests $250 a month for 30 years (when dad turns 85) at 4% annual rate of return after inflation, step mom will only get 175K. If he buys whole life, step mom will get 300K when he dies. No - If your dad is willing to spend $3,000 per year, tak...
by SkierMom
Thu May 21, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited money and Roth contributions
Replies: 6
Views: 624

Re: Inherited money and Roth contributions

I think you may be confusing the transfer of the inherited grandfather's IRA to your father cannot be directly rolled over into a ROTH IRA for your father. However, the money generated from or taken out of the inherited IRA can certainly be put into Roth IRA for both your Mom and Dad. $13,000 a year...
by SkierMom
Thu May 21, 2015 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: homeowner vacancy insurance - yikes
Replies: 18
Views: 1700

Re: homeowner vacancy insurance - yikes

I asked BHs same question about a year ago here : http://www.bogleheads.org/forum/viewtopic.php?f=2&t=134508 My BIL, who hadn't bothered to confer with other Trustees for over year on any matters, suggested that we call our Homeowner's Insurance to add a rider to our existing policy to cover &qu...
by SkierMom
Wed May 20, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 3870

Re: How should drivers react to bicycle riders on one lane roads?

mr_scaramanga wrote:Is the biker to be treated the same as another car?


Absolutely. The biker is in effect, a slow moving vehicle. Give a lot of space, courtesy and pass when safe.

Also - never honk your car horn at a cyclist. This startles us frugal, two-wheeled folks and endangers us. I hate that.
by SkierMom
Fri May 15, 2015 6:02 pm
Forum: Investing - Theory, News & General
Topic: The striking effects of career sequencing with pension and 401k
Replies: 13
Views: 2247

Re: The striking effects of career sequencing with pension and 401k

There is of course, an option of retiring early and drawing a pension at 50 (say getting 50% of your salary) and concurrently getting a job in private consulting from years 50-65 while drawing your pension. You have the mathematical option of saving 50% of your private consulting salary for 15 years...
by SkierMom
Fri May 15, 2015 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody know of a good no-cost HELOC?
Replies: 10
Views: 1374

Re: Anybody know of a good no-cost HELOC?

The Hanscom Credit Union Rates look awesome - but their membership qualifications are highly restricted.
by SkierMom
Thu May 14, 2015 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my FA set up IRA
Replies: 14
Views: 1069

Re: Critique my FA set up IRA

Enlightening, DBR. Do you know if the family funds change their fees per advisor, or are they generally cast in stone? For example, if you purchased American Funds through Capital Group or purchased them through Edward Jones? We can just end the discussion, of course, and say you ought not be purcha...
by SkierMom
Thu May 14, 2015 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my FA set up IRA
Replies: 14
Views: 1069

Re: Critique my FA set up IRA

So, this FA has been a "family friend" for a while. I want to make sure that I am knowledgeable on this before I approach her. I appreciate your position. A polite, but firm "No Thank You" doesn't necessitate any further justification and likely counter-argument you will get. Let...
by SkierMom
Thu May 14, 2015 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my FA set up IRA
Replies: 14
Views: 1069

Re: Critique my FA set up IRA

Critique: 1.) These are all stock funds. You do not mention your acceptable risk level or your age, but unless you are 22 I don't see a need to take on so much risk. Do you know what a balanced portfolio is or what your target Asset Allocation needs to be? Did your FA even mention this? Why do you n...
by SkierMom
Wed May 13, 2015 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity with UBS!!!
Replies: 20
Views: 2399

Re: Annuity with UBS!!!

Why don't you just liquidate and be done with UBS? Tomorrow
by SkierMom
Fri May 08, 2015 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Where should I keep my EF? [Emergency Fund]
Replies: 11
Views: 1320

Re: Where should I keep my EF?

Since contributions can be withdrawn from a Roth, that could be a second line of emergency funds after at least $1k in quickly available and safe cash. Maybe a $1k Target Retirement Income fund (30% stocks) is your best choice as others funds require 3k to start. You can contribute $5.5k/yr to Roth...
by SkierMom
Fri May 08, 2015 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plan for grandson
Replies: 10
Views: 1467

Re: 529 plan for grandson

Good Job Steve! Way to take this on without paying a 1% advisor fee. Like previous posters have stated, there are automatic age-based options that adjust AA as the child ages AND there are options that are straight-up Aggressive, Moderate and Conservative that do not adjust with age. I think the big...
by SkierMom
Fri May 08, 2015 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: High Expense 403b or Taxable
Replies: 13
Views: 904

Re: High Expense 403b or Taxable

Just so that I understand it, this OP will lose 3.5% of their investments yearly due to fees/expenses (union cronyism?), and that the consensus is that this 403 plan should still be used over maxing out a Roth + using a taxable investment account? How would you figure out the threshold point for bad...
by SkierMom
Wed May 06, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: DFA Fund help.
Replies: 14
Views: 1999

Re: DFA Fund help.

Artbug - Just curious but does your employer add basis points to the fund ER when purchased through the broker door? Most do, mine adds about 40 basis points, which would give this option a total ER of .96 even without a transaction fee it's still an expensive fund. All depends on what the expense E...
by SkierMom
Fri May 01, 2015 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Baby Step 8
Replies: 20
Views: 2989

Re: Baby Step 8

Respect all your hard work being frugal and living below your means, and stop getting taken to the cleaners by the ELPs. You can Google a lot of interesting threads about ELP kickbacks to Dave Ramsey. Here's a good one: https://www.bogleheads.org/forum/viewtopic.php?t=69498 I think Baby Step 8 is to...
by SkierMom
Fri May 01, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: NZ Campervan insurance...
Replies: 7
Views: 479

Re: NZ Campervan insurance...

Surfstar - please keep BH posted! I am interested in doing a similar trip with our family.
by SkierMom
Fri May 01, 2015 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Baby Step 8
Replies: 20
Views: 2989

Re: Baby Step 8

First Eagle U.S. Value Fund has an expense ratio of 1.14 percent. Yikes. Welcome to the forum. The general consensus here is that Dave Ramsey's advice for getting out of debt aggressively is spot on. His advice for investing is lousy, misleading (i.e. don't worry about expense ratios, 12% returns) a...

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