Search found 211 matches

by SkierMom
Thu Jun 15, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Opening 529's for my kids. Am I missing anything?
Replies: 12
Views: 1710

Re: Opening 529's for my kids. Am I missing anything?

My kids are 14 and 12 and we have about $140,000 divided between their individual 529 accounts. We are not concerned about equally funding the exact amount for each child. How would you do this since the youngest will always have increased costs? I'm looking at the fact that our kids are different a...
by SkierMom
Thu Jun 15, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Finishing Basement - financing?
Replies: 10
Views: 963

Re: Finishing Basement - financing?

What about using a rewards cc for the initial purchases, then paying it off?

1-2% AMEX rebate cards or a travel mileage card to earn 40,000 miles? I kindof like playing the game.
by SkierMom
Wed Jun 07, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 6173

Re: Housing is too expensive.

If I was in my early 30's again in California (assumption) with young kids.......(queue harp music) I would buy the least expensive (crappy?) house or town home in the very best possible school district I could afford, and put sweat-equity to work. For me, I don't like the unknown variables of housi...
by SkierMom
Thu Apr 20, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 5374

Re: Can I afford private school for my kids?

Clarification below to my original post. My point about researching curriculum and textbooks at any Private School you are considering still holds. Federal law, under 20 U.S.C. § 7886, prohibits any federal education mandates from applying to private schools that do not receive federal funds. Howeve...
by SkierMom
Thu Apr 20, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford private school for my kids?
Replies: 67
Views: 5374

Re: Can I afford private school for my kids?

Morals and values are taught at home. +1 :!: The preponderance of progressive counselor-speak at our public middle school is ridiculous. Why Educators think they need to be the ones teaching "character and grit" and "emotional well-being" (sic, according to school communications)...
by SkierMom
Thu Apr 20, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Home remodel / addition plans
Replies: 17
Views: 1916

Re: Home remodel / addition plans

We are in a climate that requires a mudroom -- With kids, dogs, sports equipment and book bags, there is no way I would want our Mudroom to be the pass-through into the Master. Really, how much access to the mudroom will there be from the backyard as opposed to the garage? With mudroom egress limite...
by SkierMom
Thu Apr 20, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Age when you started to max out your retirement accounts?
Replies: 177
Views: 25771

Re: Age when you started to max out your retirement accounts?

Mid 40's.

Max out a 401 and two Roth accounts: $35,000/year total. Total annual income is about $190,000, so we are saving about 18%.

I don't think we will increase our contributions with hitting 50+.

I think the more important metric is: What percentage of your income are you saving?
by SkierMom
Thu Apr 20, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 42
Views: 5474

Re: Calling for all the Moms: career and family.

As an addendum, I've found that you do need to let a few things go. Obviously this is difficult for Tiger Moms. I've let the breakfast dishes in the sink/un-emptied dishwasher thing go. But making the kids lunches.......on what planet is a cold hot dog and beef jerky a fantastic lunch for 6th grader...
by SkierMom
Thu Apr 20, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 42
Views: 5474

Re: Calling for all the Moms: career and family.

I feel your angst. Fellow Tiger Mom, here. We have an upper level position opened up with my Division. With our kids going into High School, I don't think I could Lean In and excel at that position, and I don't think I'll go for it. I am the family breadwinner, CFO, Educational Administrator, Travel...
by SkierMom
Thu Dec 29, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance, House
Replies: 9
Views: 687

Re: Life Insurance, House

I think by locking in a 30-year term life policy now, you are taking advantage of the lower interest rates. Same with locking-in your housing costs. Interest rates will not always be hovering in the 4% range. Paying $1400/month for your housing 10 years from now in California will be a bargain. With...
by SkierMom
Fri Dec 16, 2016 4:31 pm
Forum: Personal Consumer Issues
Topic: Anyone's Take on Blue Dolphin Magazines?
Replies: 7
Views: 2378

Re: Anyone's Take on Blue Dolphin Magazines?

Addendum post-- Also, I seem to think bluedolphin might be a clearinghouse for old magazines not sold in stores. The mailing of issues is usually during the month the issue came out instead of being a month in advance. This doesn't really bother me, and quite honestly for $2 if I miss an issue it is...
by SkierMom
Fri Dec 16, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Anyone's Take on Blue Dolphin Magazines?
Replies: 7
Views: 2378

Re: Anyone's Take on Blue Dolphin Magazines?

Hi Stargazer I too am offered these exclusive deals from Bluedolphin and have taken them up on it. Most magazine print is dead, so I think part of the appeal is a hook from the publishers for the initial $2 to get you as a customer. You need to look at the # of copies you will be receiving. In some ...
by SkierMom
Tue Oct 18, 2016 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Living trust vs will
Replies: 46
Views: 5780

Re: Living trust vs will

Not an attorney, but do have a living trust set up in CA: In your case, you have minor children. Setting up a trust, I think, allows for the continuance of their care and access to the estate monies immediately upon you and your spouse's accidental death. This would not be the case if a will went to...
by SkierMom
Tue Oct 18, 2016 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Deductions On My Father's Estate?
Replies: 22
Views: 2280

Re: Tax Deductions On My Father's Estate?

So sorry about the loss of your father. Did you get the value of the house appraised when he passed away in 2014? This is the stepped up value of the house. You can deduct through the EIN expenses on the improvement of the house, realtors fees and preparation getting it to sale for the two years fro...
by SkierMom
Tue Oct 18, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Methods for Optimum Income from Rental Property
Replies: 10
Views: 1807

Re: Methods for Optimum Income from Rental Property

In order to compare apples to apples on the options, I think you have to either convert all to a PV-present dollar value or convert all to a 20-year future dollar value. If you take the sale of the condo now and invest the proceeds for 20-years in a conservative bond-like fund, then compare that val...
by SkierMom
Fri Oct 14, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Vacation in Peru/Ecuador in December
Replies: 10
Views: 1197

Re: Vacation in Peru/Ecuador in December

I second the recommendation to explore more of the hiking in the Cuzco area through a guided adventure. Since Cuzco was the administrative and religious capital of the Incas, the city is like a centralized bike hub with trails radiating outward that offer spectacular views and connect little-visited...
by SkierMom
Fri Oct 14, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: sheltering a monitary gift while separated
Replies: 22
Views: 1698

Re: sheltering a monitary gift while separated

You are paying for the advice of your attorney; if you are questioning that advice, you need to get a different attorney.
by SkierMom
Fri Oct 14, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Road Scholar trip to Cuba - Need practical advice
Replies: 21
Views: 2055

Re: Road Scholar trip to Cuba - Need practical advice

Just noticed a short blurb in the WSJ today that Americans importing cigars and rum from Cuba are no longer restricted.

I say, channel your inner Hemingway!
by SkierMom
Tue Oct 11, 2016 10:19 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel question
Replies: 44
Views: 3636

Re: Kitchen Remodel question

The microwave over the stove look is outdated. Remodeled kitchens do away with the microwave over the stove as an "Early 1990's Look" and are replacing them with open shelving and a nice new kitchen hood/vent. For $2,000 I would install a nice stainless steel vent/hood with work space ligh...
by SkierMom
Wed Aug 24, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Vacation in Hawaii
Replies: 36
Views: 4529

Re: Vacation in Hawaii

Trip to Hawaii with a toddler in November? Maui - Ka'anapali Beach +1. The Hyatt, Westin and Marriott all have a presence on Ka'anapali, with fantastic pools (appropriate for the toddler set) and oceanside locations. Maui has a great little aquarium with a "hands-on" tide pool presentation...
by SkierMom
Tue Aug 23, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: cost to build a deck?
Replies: 10
Views: 1252

Re: cost to build a deck?

++Contractors do appear to be more busy than of late. Building/rebuilding a deck is labor-intensive. Here in CA there would be additional costs for permitting, staining and sealing (depending on the products you select) and engineering. Assuming a 2-person crew at $25/per person = $50/hour, one full...
by SkierMom
Tue Aug 23, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Hardwood Flooring: Floating vs. Glue
Replies: 35
Views: 22310

Re: Hardwood Flooring: Floating vs. Glue

Our experience in a dry upper desert environment with kids & pets: engineered hardwood. We went for a high-quality engineered hardwood product, Hickory wood with a dark stain. Beautiful - no complaints after 8 years. We are looking at the Monarch European Oak Harwood products for our new home. A...
by SkierMom
Tue Aug 23, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Journal of my recent ride through Southern Italy and Sicily
Replies: 12
Views: 1328

Re: Journal of my recent ride through Southern Italy and Sicily

Love this, Raybo. Thanks for sharing. Can you give us the link to your website? Since this is the BH forum, what was your budget per day for such a trip? I love the Waterford design, it enables you to pack your bike in an airlines-regulation case, and if I my assume, using a FF airlines miles card t...
by SkierMom
Thu Aug 04, 2016 7:58 pm
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 101
Views: 12612

Re: Suckered into Marriott Kauai Timeshare Presentation

The pool at the Kauai Marriott is outstanding, and it is right on a great beach - Kalapaki Bay. Your 4-year old will have a blast.

I'm very strong-willed, but I would be nervous with my spouse listening to a timeshare presentation. He always likes to engage and gets sucked in!
by SkierMom
Fri Jul 22, 2016 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 10629

Re: Just got back from Europe...ready to sell my International...

33% of your Equities holdings in International consists of what percent of your overall AA? Seems like 33% is within the ballpark of the structured BH three-fund portfolio.
by SkierMom
Tue Jul 19, 2016 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: What did/does/will your high schooler do during summer vacation?
Replies: 26
Views: 2554

Re: What did/does/will your high schooler do during summer vacation?

Interesting post. I was just talking with my Dad (son of an immigrant) about summer activities for kids in High school. My kids are just in Middle School right now. A generation and more ago, summer school had negative connotations and was for those who flunked a class. These days in America, summer...
by SkierMom
Fri Jul 15, 2016 5:44 pm
Forum: Personal Consumer Issues
Topic: Starwood points (looking for best use)
Replies: 15
Views: 1162

Re: Starwood points (looking for best use)

The Westin Paris is a Starwood property. OOOOOOolala.
by SkierMom
Fri Jul 01, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, have we "arrived" ?
Replies: 70
Views: 6834

Re: Bogleheads, have we "arrived" ?

8. > 2nd knee on Social security curve

What does this mean?
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: 2509

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: 1241

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: 3996

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: 6746

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: 11384

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: 2148

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: 6172

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: 2391

Re: Bogle "Che Guevera" T-shirt

"Viva la Indexación"

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: 2353

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: 2739

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: 2739

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: 5885

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: 2139

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: 1091

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: 3160

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: 6997

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: 1263

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: 3266

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: 7873

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: 3668

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: 12630

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: 12630

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 ...

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