Search found 201 matches

by chipperd
Tue Aug 08, 2017 6:46 am
Forum: Personal Finance (Not Investing)
Topic: College and Paying for it
Replies: 61
Views: 4051

Re: College and Paying for it

It seems that my wife and I are in a similar situation to the OP, although I suspect our income is lower. We have three teens who will be a senior, junior and freshman in high school this coming school year. We told all of them we will pay about 20-22k/year for their undergraduate degrees. They need...
by chipperd
Fri Aug 04, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1260

Re: Garage ceiling bike storage

As others may have mentioned, we just use those cheap, rubberized hooks/hangers from home depot. Works just fine for us.
I have a pic I'd like to post but can't figure out how. Sorry.
Chipperd
by chipperd
Wed Aug 02, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21064

Re: A poll: How much money do you need to retire?

Age 50, wife 47, Just met with financial planner friend (who is brutally honest) and to meet our expectations, we need and will have 750k by age 58. Wife's hazard duty pension already being collected (and no I'm not the hazard :D ).
by chipperd
Tue Aug 01, 2017 5:43 am
Forum: Personal Consumer Issues
Topic: Florence Hotels.......
Replies: 25
Views: 1406

Re: Florence Hotels.......

We, (family of two adults and three teens) were in Florence last July and stayed at a fantastic Airbnb. Third floor if memory serves and I would estimate about 1200 square foot apartment. Three bedrooms, full bath, and full kitchen. Great cable t.v. service and wifi. The owner has a pottery shop on ...
by chipperd
Mon Jul 24, 2017 6:10 am
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4364

Re: How much electricity are you using and how expensive it is?

For comparison purposes: We live in a 3129 square foot colonial in CT built in 1998 with home heating oil hot water and on a well (not sure if that matters(. There are 9.5-foot ceilings on the lower level 8.5 on the upper level, full attic, central air, and an above ground pool. During this billing ...
by chipperd
Tue Jul 18, 2017 6:06 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6453

Re: anyone retire and move to a planned community in FL?

From what I'm reading, lots of folks have strong feelings about the weather and its potential impact. For us, as I think I mentioned, we would be planning on being typical snowbirds for the first phase of our post work lives, spending summers back up north for probably 5 months or so a year. When we...
by chipperd
Sun Jul 16, 2017 4:26 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6453

Re: anyone retire and move to a planned community in FL?

If you are seeking a compromise to something not as large as the Villages (and hot as Florida) I'd suggest you look at our community near Clemson, SC. We moved here from the cold north in upstate NY as we too wanted to escape the winters. We also wanted a college town near us, and good health care ...
by chipperd
Sun Jul 16, 2017 4:19 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6453

Re: anyone retire and move to a planned community in FL?

If you are seeking a compromise to something not as large as the Villages (and hot as Florida) I'd suggest you look at our community near Clemson, SC. We moved here from the cold north in upstate NY as we too wanted to escape the winters. We also wanted a college town near us, and good health care ...
by chipperd
Sat Jul 15, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6453

Re: anyone retire and move to a planned community in FL?

Thanks again for all the thoughtful input. Our family does visit the Tampa area every year in mid-April during our kid' school vacations for the past 12 years or so and love it there (Madeira Beach). That area would be my first choice to explore, so will check out those specific recs in that area. T...
by chipperd
Thu Jul 13, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6453

Re: anyone retire and move to a planned community in FL?

Thanks for all the input and responses. Lots to consider.
by chipperd
Tue Jul 11, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6453

Re: anyone retire and move to a planned community in FL?

Thanks again for the info to all. I know that I mentioned the Villages, but only as an example, not one I am wedded to, and that seems to have thrown this in a different direction than I was hoping. Not really looking for a continuum of care place, more of an active adult community that can have mix...
by chipperd
Mon Jul 10, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6453

Re: anyone retire and move to a planned community in FL?

Thanks for the replies thus far. Looking forward to hearing any downsides as well if anyone knows of any other than mentioned.
Thanks again,
Chipperd
by chipperd
Mon Jul 10, 2017 5:39 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6453

anyone retire and move to a planned community in FL?

Hello all, The wife and I have been exploring retirement options. Looking for the pros/cons of living in an active retirement community (akin to The Villages). We enjoy outdoor activities (hiking, biking, tennis) and being social on occasion, but tired of the cold winters and hcol/taxes in the north...
by chipperd
Tue Jun 27, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Things to consider when going from employee to independent contractor
Replies: 13
Views: 895

Re: Things to consider when going from employee to independent contractor

I went from an IC to a W2 position even tho my wife carries the health insurance for many of the reasons stated above. Since my employer just took my hourly IC rate and turned that into an hourly W2 rate (what were they thinking?), I have a direct apples to apples comparison since our gross income r...
by chipperd
Mon Jun 12, 2017 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement planning when future income needs are met by pensions/social security.
Replies: 16
Views: 1828

Re: Early retirement planning when future income needs are met by pensions/social security.

We aren't in exactly the same situation but close. My wife just "retired" (she works part time in another career) at age 47 from her hazard duty job and started her pension with COLA, and 100% spousal benefits at age 47. We met with a friend who is a retirement planner. he determined that ...
by chipperd
Sat Jun 10, 2017 3:46 am
Forum: Personal Consumer Issues
Topic: Babson College
Replies: 30
Views: 2448

Re: Babson College

One of the top rated business schools in the north east, excellent brand recondition, with strong ties to the business community. If he is interested in Babson, he should also look at Bentley and Bryant, they tend to get grouped together frequently. Babson i've heard of, Bentley and Bryant? not so ...
by chipperd
Sun Jun 04, 2017 4:56 am
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 46
Views: 6027

Re: anyone ever live/living on a boat?

Thanks for all the time and effort regarding the thoughtful responses. I was raised to think that an idea is only valid if it can be backed up and stand the test of a debate, so I really appreciate the back and forth. Met with a trusted friend who is a financial planner who validated our plan from a...
by chipperd
Sun Jun 04, 2017 4:45 am
Forum: Personal Finance (Not Investing)
Topic: Do I need umbrella insurance?
Replies: 17
Views: 2024

Re: Do I need umbrella insurance?

In brief, absolutely you should have umbrella insurance. So cheap and covers all those unexpected issues in our ever increasing litigious society.
by chipperd
Sun Jun 04, 2017 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 78
Views: 7560

Re: Teachers: what are your best personal finance tips?

I'm an elementary school teacher in the Bay Area. My wife works 30 hours a week for a small business. We're both 42. I earn $100k per year and she earns about $45k. This is middle class as I teach in Silicon Valley and the median home price around these parts is in the seven figures. We've got abou...
by chipperd
Mon May 29, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 46
Views: 6027

Re: anyone ever live/living on a boat?

You are way over estimating how big a 50 foot boat is and how easy it works for more than 2 people. That size boat is fine for 1-2 people but no more. Yes setting on the boat back deck watching the sunset is great. So is going out fishing or over to Catalina or some other island for a few days. So ...
by chipperd
Sun May 28, 2017 6:08 am
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 50
Views: 4861

Re: Septic Pumping - Did I get ripped off?

In CT. $305 for one tank (1500 gal) including digging.
Seems like a fair price, but crappy way to invoice you
by chipperd
Sat May 27, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 46
Views: 6027

Re: anyone ever live/living on a boat?

Thanks all for the very thoughtful and in depth replies. They are all appreciated and continue to stimulate conversation between me and the wife. A couple folks along the way noted my experience and while I only reported on the boating the 5 of us have done together, I actually spent weekends/summer...
by chipperd
Wed May 24, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 46
Views: 6027

Re: anyone ever live/living on a boat?

Thanks all for your input and thoughts. Some have brought up maintenance and expenses as higher than the 20k per year I mentioned and that the boat itself may cost more up front. I have much respect for those who have done what we are thinking of and of course, your experiences are valid. That said...
by chipperd
Wed May 24, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 46
Views: 6027

Re: anyone ever live/living on a boat?

Thanks all for your input and thoughts. Some have brought up maintenance and expenses as higher than the 20k per year I mentioned and that the boat itself may cost more up front. I have much respect for those who have done what we are thinking of and of course, your experiences are valid. That said ...
by chipperd
Wed May 24, 2017 3:34 am
Forum: Personal Consumer Issues
Topic: anyone ever live/living on a boat?
Replies: 46
Views: 6027

anyone ever live/living on a boat?

Hello all, Over the years myself, wife and three kids (currently all teens) have really benefitted from the collective wisdom of the Bogleheads and hoping you all can give me your thoughts on a topic the wife and I are considering for the early part of our retirement. Looking to retire in about 8 ye...
by chipperd
Wed Apr 26, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: When does it make sense to start paying down (or off) a low rate mortgage?
Replies: 53
Views: 5715

Re: When does it make sense to start paying down (or off) a low rate mortgage?

Since a 3% mortgage is probably around 2.25% after the deduction, I would never pay that sucker off.
by chipperd
Mon Apr 03, 2017 4:02 am
Forum: Investing - Theory, News & General
Topic: Peer-to-peer lending as an investment?
Replies: 52
Views: 4802

Re: Peer-to-peer lending as an investment?

I really like Lending Club, but as an investment in my kids education, not to make money. I put in $500 and my kids each kicked in $50. I have them research the loans and decide where our money should be invested when they were about 13 and 12 respectively. Now 5 years on, they seem to really enjoy ...
by chipperd
Fri Mar 24, 2017 4:48 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3143

Re: can't logon to vanguard account

Ok. thanks feel a bit better about this then
Chipperd
by chipperd
Fri Mar 24, 2017 4:23 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3143

can't logon to vanguard account [Website Down]

Hello all,
Wondering if anyone else can't logon to their vanguard account? Maybe b/c it's fairly early (5:20am eastern) and they are performing maint?
Thanks
Chipperd
by chipperd
Tue Feb 28, 2017 5:22 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy - 3 weeks in 2017, advice appreciated
Replies: 119
Views: 10274

Re: Traveling to Italy - 3 weeks in 2017, advice appreciated

Trains were a huge benefit to us and reasonably priced. If you can plan out your trip a month or so in advance, you can buy train tickets online and save a fair amount. We took the high speed from Rome to Naples in just over an hour. Same from Florence to Rome. Also took it from Venice to Florence. ...
by chipperd
Sun Feb 05, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for teen
Replies: 26
Views: 2886

Re: Roth IRA for teen

My son, at 13, was a soccer ref for a few years. Opened a custodial roth for him at Schwab ($100 minimum). He did the research on the funds and picked the total stock market index (ER: .09).
Good luck
Chipperd
by chipperd
Wed Jan 25, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Need a good commuter car fairly soon
Replies: 86
Views: 7123

Re: Need a good commuter car fairly soon

I bought a 2012 Camry 4cyl in 2015 with 32k miles for $12k after test driving the same year Accord. Hated how tinny the accord seemed; Camry seemed much more solid, but that's a driver feel issue. After two years I can say I love this car. Reliable, drive 25k per year and get 33mpg all over, lots of...
by chipperd
Sat Jan 21, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 27609

Re: How much is your cell phone bill?

We are now down to about $200 for a family plan for 5. We've all paid off our phones so this is the rate for data, text, minutes, and taxes/fees. We get about 18 gb per month, shared, plus carryover. We never even come close to going over. Unlimited minutes and text. I'm happy with the overall valu...
by chipperd
Thu Jan 19, 2017 5:35 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 27609

Re: How much is your cell phone bill?

$100/month including all taxes and fees for 5 lines (smart phones) with 2.5gb data each. This is with Cricket so At and T network with no contract. Same service level for us as Verizon. No sharing which works for my wife and I with three teens . If you use up your 2.5 gb data allowance, they just sl...
by chipperd
Mon Jan 16, 2017 6:07 am
Forum: Personal Finance (Not Investing)
Topic: What monetary value has your education provided you?
Replies: 107
Views: 6658

Re: What monetary value has your education provided you?

I agree with those who have stated that while this is an interesting question to ponder, really difficult to objectify an answer as one couldn't simultaneously know their current income and history while also knowing what their current income and history would have been. Anyone see "Back to the...
by chipperd
Mon Jan 16, 2017 5:42 am
Forum: Personal Finance (Not Investing)
Topic: How am I doin?
Replies: 31
Views: 3156

Re: How am I doin?

navyitaly wrote:Nice humblebrag....you make mid 6 figures, you know the national average is like $40k or something, why would you need to ask people on this site how you are doing?

+1
by chipperd
Mon Jan 16, 2017 5:12 am
Forum: Investing - Theory, News & General
Topic: 457 contribution influence or treated separate from SEP/ROTH?
Replies: 2
Views: 319

457 contribution influence or treated separate from SEP/ROTH?

Hello all, I am employed, just this past school year, by a local school district as a W-2 employee without a teacher pension (not in the union). I do qualify to participate in this school district's 457 plan and max out my contributions with this employer (age 50 this year; using the catch-up provis...
by chipperd
Sun Jan 08, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 4923

Re: Anybody else Age - 10 in bonds, rest in stocks

Just about:
Age 49
58%stocks
37%bonds
5%cash
by chipperd
Mon Jan 02, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: My niece got accepted to Georgetown and we may have to pay for it.
Replies: 58
Views: 7352

Re: My niece got accepted to Georgetown and we may have to pay for it.

Add me to the list of the need for a tough conversation around affordability of a four-year degree. That said, to answer your question, any funds that are withdrawn from a 529 plan and used for an education, show up on the following year's college financial aid application as student income, which h...
by chipperd
Mon Jan 02, 2017 5:24 am
Forum: Personal Consumer Issues
Topic: Analyzing schools for an advanced child
Replies: 65
Views: 4747

Re: Analyzing schools for an advanced child

Since schools, like any other bureaucratic institution, are developed by humans, they are fallible. As many have already noted, the quality of any service (education in this case) depends upon the individual (teacher) delivering that service. I have worked in schools for 25 years and have three teen...
by chipperd
Mon Jan 02, 2017 5:06 am
Forum: Personal Consumer Issues
Topic: Resources for a child gifted in math
Replies: 34
Views: 2143

Re: Resources for a child gifted in math

I am a parent of 3 teens, with 2 being labeled by the school district as "gifted and talented" in the math area (junior in high school and 8th grader). I would encourage you to meet with your school district once he/she is 7years old and have a formal evaluation (I.Q. test) performed. This...
by chipperd
Mon Jan 02, 2017 4:56 am
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 30
Views: 5092

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

Thanks again to all for your posts. I really appreciate you all sharing your thoughts and experiences, very enlightening for me to read.
Keep em coming
Thanks again
Chipperd
by chipperd
Fri Dec 30, 2016 4:58 am
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 30
Views: 5092

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

Again, great info all and thanks Mel for the reference and contact idea. Will keep on researching for now.
by chipperd
Thu Dec 29, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 30
Views: 5092

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

I didn't get them from any site. Rather, these are my own observations based on actual experience. You may want to try some expat forums for a specific country. For example, here is a good expat forum for Costa Rica m . Remember that every country is different and you should not expect other countr...
by chipperd
Thu Dec 29, 2016 7:06 am
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 30
Views: 5092

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

I am frankly surprised, given the Boglehead mentality of getting more for your dollar, that more Bogleheads don't live in that part of the world. Well, there are many things to consider and cost of living is only a very small part of it. Those who are successful in retiring overseas tend to have so...
by chipperd
Wed Dec 28, 2016 5:26 am
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 30
Views: 5092

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

I spend half of most years in Panama, on the Pacific side. I love it there. Strong economy, modern amenities, rule of law, welcoming to foreigners, diverse, beautiful You can have a comfortable middle-class lifestyle for substantially less than in the US (30-40% less) Medical care is excellent and ...
by chipperd
Tue Dec 27, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 30
Views: 5092

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

Thanks to all for the interesting and informative responses. Wife and I were thinking of renting a couple months here or there in various places around the world, and central America kept popping up, so thought I would ask. The boat idea is one we have also considered instead of or in addition to th...