Search found 31 matches

by WannabeEarlyRetiree
Thu Sep 14, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning advice for young parents in Massachusetts
Replies: 33
Views: 2548

Re: Estate planning advice for young parents in Massachusetts

look into your work benefit to see if it provide simple legal aids. Most employers provide some sort of legal aids. Our employers provide free phone call legal aids but if we paid additional $10/pay check, attorney consultation for simple matters (such as estate planning, prenups, adoptions, etc) ar...
by WannabeEarlyRetiree
Sat Aug 12, 2017 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from LCOL to HCOL -> what do I need to take into account?
Replies: 6
Views: 848

Re: Moving from LCOL to HCOL -> what do I need to take into account?

If you live near the coast (<4 miles from ocean), electricity and gas bill are likely to stay the same year round. We live near the ocean, we turned on AC for about 10days (at most) a year while most of my neighbors don't even have AC. If you prefer warmer indoor temperatures, you likely only needs ...
by WannabeEarlyRetiree
Sat Jul 15, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Worker's compensation insurance
Replies: 15
Views: 1079

Re: Worker's compensation insurance

Thanks for all the advices. The company provides a copy of their liability insurance along with their proposals but the line for worker's compensation was not checked. Sounds like it is safer to go with a company with worker's compensation insurance. I think we'll see if other companies with all the...
by WannabeEarlyRetiree
Thu Jul 13, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Worker's compensation insurance
Replies: 15
Views: 1079

Worker's compensation insurance

We got several bids for removing several small trees in our yard. All the companies have licenses, bonded, and have liability insurance. one company doesn't carry worker's compensation insurance but have all the other insurances. They gave the lowest bid and also have really good reviews online. Sho...
by WannabeEarlyRetiree
Tue May 30, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: Buying parents home--how to navigate
Replies: 12
Views: 1628

Re: Buying parents home--how to navigate

I think it would be a great arrangements. But to make sure everyone is happy with the arrangement, write down how you guys want split the responsibility/ownership and have everyone sign off on it before start building.
by WannabeEarlyRetiree
Tue May 09, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Job choice
Replies: 18
Views: 2099

Re: Job choice

If you are considered children in near future, take the 40 hours/week job
by WannabeEarlyRetiree
Sat Apr 15, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Home remodel / addition plans
Replies: 17
Views: 2180

Re: Home remodel / addition plans

Three things: 1) add a door to enter the kitchen from garage so when you have grocery, it is only a few short steps to bring them inside 2) for two people to cook at the same time, make sure your gas range/cooktop is at least 36" or bigger. Also I would move the range closer to the sink and fri...
by WannabeEarlyRetiree
Sat Apr 01, 2017 7:02 am
Forum: Personal Consumer Issues
Topic: Necessary to repair termite damaged woods?
Replies: 6
Views: 1088

Necessary to repair termite damaged woods?

My house was last inspected and treated 10 yeas ago when we bought the house. At that time, both dry wood termite and subterranean termite were found and both treatment were done. We just gotten four different quotes and the prices differs by $2,000, mostly due to cost for repairing previously termi...
by WannabeEarlyRetiree
Wed Feb 22, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 123
Views: 9787

Re: BH thoughts on Time shares

When I was a poor college student, I attended several of those. They are very good at selling the package but I was firm at keeping saying "no". I see it the same as sitting in couple hours of boring classes. Since I was poor, the rewards ($150-$300 worth of tickets to theme parks or shows...
by WannabeEarlyRetiree
Wed Feb 22, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 8458

Re: Need advice on girlfriend debt/finances

Fun doesn't have to cost money. If your priority is to reduce debt, even on minimum wage, you can focus on cutting back on all unnecessary expenses and for fun, only do things that are free (like hiking in parks, picnic, attend free summer concerts, etc) or only couple times a year. The important th...
by WannabeEarlyRetiree
Thu Feb 09, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 10217

Re: Saved too much? What do you splurge on?

This is a very nice problem to have. I am not in my 70s yet So just couple suggestions: -best seats at concerts or shows you enjoy -large donation to something so they name it or a building after you -tip in $100 bills for excellent services just to see shock/surprise reactions -luxury bed and beddi...
by WannabeEarlyRetiree
Wed Feb 08, 2017 1:50 am
Forum: Personal Consumer Issues
Topic: Hardwood floors vs Wood Look Tile?
Replies: 68
Views: 9491

Re: Hardwood floors vs Wood Look Tile?

When we did major remodel, we put in wood grain tiles in the kitchen and bathrooms while hardwood floor throughout rest of the house. Look wise -amazing! Maintainence wise -pain in the ass!!! Both tiles and wood have very slight uneven texture. We bought the more expensive tiles so it looks and feel...
by WannabeEarlyRetiree
Sat Feb 04, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: online engineering degrees- waste?
Replies: 13
Views: 1881

Re: online engineering degrees- waste?

I graduated undergrad from a top 30 university 5 years ago. I am now doing my MBA at a local state university. I often kick myself for having not went the engineering route in undergrad. But what's done is done. I am currently in a manufacturing role that an ME degree would certainly not hurt me (n...
by WannabeEarlyRetiree
Fri Feb 03, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: It appears Fiduciary changes may not happen after all.
Replies: 84
Views: 7185

Re: It appears Fiduciary changes may not happen after all.

Time to short the market and make lots of money like in the "The Big Short"
by WannabeEarlyRetiree
Thu Feb 02, 2017 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Best way to maximize redemption of Chase Sapphire points?
Replies: 16
Views: 3079

Re: Best way to maximize redemption of Chase Sapphire points?

thanks everyone for the great tips. I'll spend rest of this months figure out what to do. :D
by WannabeEarlyRetiree
Mon Jan 30, 2017 2:26 am
Forum: Personal Finance (Not Investing)
Topic: Best way to maximize redemption of Chase Sapphire points?
Replies: 16
Views: 3079

Best way to maximize redemption of Chase Sapphire points?

Our Chase Sapphire card will be due for the annual membership fee in March. We got this card because we had high expenses early last year so we figured might as well get this card so we can get the sign up bonus and take a vacation with the point at the end of year, then cancelled the card before ha...
by WannabeEarlyRetiree
Sun Jan 29, 2017 2:05 am
Forum: Personal Consumer Issues
Topic: where to retire?
Replies: 63
Views: 6900

Re: where to retire?

I used to travel extensively and when it comes to weather, Southern California can't be beat. Consider you are not even going to be around for half a year, making friends and establish a supportive network in a new city will be difficult. The extra tax payment for staying in California is probably w...
by WannabeEarlyRetiree
Tue Jan 24, 2017 4:36 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage-Trust Question
Replies: 7
Views: 806

Re: Mortgage-Trust Question

We did both and had no issues. When we set up our trust, we gave the lawyer a copy of our deed and he took care of everything. When we bought a new home, we told our loan broker and real estate agent ahead of time that we want everything (deed, mortgage, insurance) under the name of the trust. They ...
by WannabeEarlyRetiree
Thu Jan 12, 2017 3:56 am
Forum: Personal Consumer Issues
Topic: Miami -Florida Keys visit - Late January- Suggestions
Replies: 29
Views: 2409

Re: Miami -Florida Keys visit - Late January- Suggestions

As for place to stay, highly recommend DoubleTree by Hilton Grand Hotel Biscayne Bay. I think we got a junior suite when we stay there. The view was nice and since it is outside of Miami proper, it was easy for us to go check out the suburbs for yummy local food (like coconut groves, little Havana, ...
by WannabeEarlyRetiree
Thu Jan 12, 2017 3:49 am
Forum: Personal Consumer Issues
Topic: Miami -Florida Keys visit - Late January- Suggestions
Replies: 29
Views: 2409

Re: Miami -Florida Keys visit - Late January- Suggestions

The food in Miami is excellent. Just look up tripadvisor or Yelpfor where to go. But one place I highly recommend going is the Everglades. The amount of wild life you see there is amazing. It is the only place in America that you can see both alligator and crocodiles. There are also manatees. There ...
by WannabeEarlyRetiree
Sat Jan 07, 2017 5:38 am
Forum: Personal Consumer Issues
Topic: Help with my Bali/Singapore/Malaysia itinerary
Replies: 4
Views: 488

Re: Help with my Bali/Singapore/Malaysia itinerary

The time duration you've planned for each place is good. At Bali, book a private villa with outdoor shower, especially those with private pool, totally worth the money. Most of the island can be reach via taxi on a day trip so just stay in one location. even thought we went all over the island, when...
by WannabeEarlyRetiree
Fri Nov 25, 2016 2:18 am
Forum: Personal Consumer Issues
Topic: Do you use quick wash when using your dishwasher?
Replies: 29
Views: 4531

Re: Do you use quick wash when using your dishwasher?

We use quick washes when we need dishes in a few hours (like today, we ran the dishwasher after lunch so they'll be ready for the Thanskgiving dinner). The Express wash on our KitchenAid is an hour long compare to the usual normal or other options (all 2.5 hours or longer). Usually we run the dishwa...
by WannabeEarlyRetiree
Tue Nov 22, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: New gas range vents LOTS of heat into kitchen
Replies: 27
Views: 4158

Re: New gas range vents LOTS of heat into kitchen

Ditto pp. we also have a BlueStar. We also got a powerful range hood (our criteria was it has to be >800CFM so when we sear steaks over the stove, it still could suck up all the smoke). Whenever we use the oven, we turn on the hood on low. The house never gets warm due to the gas range (though that ...
by WannabeEarlyRetiree
Sun Nov 20, 2016 4:16 am
Forum: Personal Finance (Not Investing)
Topic: Getting Married Question [adjusting withholding]
Replies: 9
Views: 1168

Re: Getting Married Question [adjusting withholding]

Depends on your income. If both of you are high income, you'll end up paying more tax. This was a very unpleasant surprised after I got married. If your joint income is below that threshold and you get money back, then get legally marry sooner to get bigger refund is not a bad idea. As pp mentioned,...
by WannabeEarlyRetiree
Thu Nov 17, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with moving a house - literally
Replies: 13
Views: 1347

Re: Anyone have experience with moving a house - literally

There is a reality show call "Texas Flip and Move." They buy old houses for couple thousands, move it, remodel it, then sell it. From the show, it seem pretty cheap to move a house
by WannabeEarlyRetiree
Wed Oct 19, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Wedding gift for my sister - amount?
Replies: 38
Views: 3672

Re: Wedding gift for my sister - amount?

whatever you feel comfortable. Both of us have good jobs and not in need of any money when we got married. Our registry had both small items (under $20) and expensive items ($100-$500). Some friends didn't get us anything while others are very generous; it is their presences at our wedding that matt...
by WannabeEarlyRetiree
Wed Oct 05, 2016 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Which one to do first, a Refinance or Remodel?
Replies: 10
Views: 861

Re: Which one to do first, a Refinance or Remodel?

Why not look into no cost refi then you can do both refi and remodel
by WannabeEarlyRetiree
Tue Sep 06, 2016 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: No cost at higher rate or closing cost at lower rate?
Replies: 9
Views: 1137

Re: No cost at higher rate or closing cost at lower rate?

I would also suggest shopping around for other no cost refinances. I have used nationalmortgagealliance.com 3 times no cost with no major problems. Thanks, I'll check that site out Make sure to go to the no cost link: m The prices are not the same as the homepage. Minor glitch but still recommended...
by WannabeEarlyRetiree
Sun Sep 04, 2016 2:10 am
Forum: Personal Finance (Not Investing)
Topic: No cost at higher rate or closing cost at lower rate?
Replies: 9
Views: 1137

Re: No cost at higher rate or closing cost at lower rate?

mikep wrote:I would also suggest shopping around for other no cost refinances. I have used nationalmortgagealliance.com 3 times no cost with no major problems.

Thanks, I'll check that site out
by WannabeEarlyRetiree
Fri Sep 02, 2016 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: No cost at higher rate or closing cost at lower rate?
Replies: 9
Views: 1137

Re: No cost at higher rate or closing cost at lower rate?

The closing cost includes other fee.

One of my concern with paying for closing cost is with our previous home, we refi almost every four years and Even though I think the rate now can't go any lower, I been proven wrong several times already.
by WannabeEarlyRetiree
Fri Sep 02, 2016 2:12 am
Forum: Personal Finance (Not Investing)
Topic: No cost at higher rate or closing cost at lower rate?
Replies: 9
Views: 1137

No cost at higher rate or closing cost at lower rate?

We bought a house this year and are only 4 months into our new loan. This is going to be our forever home so we got a 30 years fixed mortgage at 3.625% with a loan balance of $415k. Our broker just contacted us and told us if we want to refinance again, he can get get us a 30 years fixed loan at 3.2...