Search found 420 matches

by fishmonger
Fri Oct 20, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 4744

Re: I have to fire someone that I care about personally

Good point about having another person in the room, I should have added that part. I would also document the conversation after the fact, with corroboration from whatever bandmate accompanies you. You can't be too careful in this regard, especially as you are in a roundabout way navigating difficult...
by fishmonger
Fri Oct 20, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and Retirement Savings
Replies: 21
Views: 2595

Re: Inheritance and Retirement Savings

I would find a top law firm with practice areas of both tax and estate law. I would meet with the top attorneys in that firm and require I not get passed down to new hires. I want strategy, not paperwork. Alternatively, I would go to a partner in a top accounting firm like KPMG and ask for a referr...
by fishmonger
Fri Oct 20, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 4744

Re: I have to fire someone that I care about personally

I get this is difficult, but don't overthink it. Be short and to the point, and most of all be professional. You know her well, so you probably have some idea of how she will react. Practice what you will do/say in those scenarios: what if she begs to stay? Falls apart in front of your eyes? Or thro...
by fishmonger
Tue Oct 17, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 35
Views: 1788

Re: Storing Lawn Tractor over the Winter

Thoughts on changing the oil? It only has 10 hours on it (got it in late June and it takes about an hour to mow my lawn) Regardless of the seasons, some call for changing the oil after the first 5-10 hours of use to flush small metal particles from the break-in period. Others consider that unnecess...
by fishmonger
Tue Oct 17, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 35
Views: 1788

Re: Storing Lawn Tractor over the Winter

Thoughts on changing the oil? It only has 10 hours on it (got it in late June and it takes about an hour to mow my lawn)
by fishmonger
Tue Oct 17, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 2389

Re: How do you outfit your feet?

Agree with lthenderson. You have 9 pairs listed and 4 of them are some variation of boots. I'm a hiker as well, but I get by with a pair of trail runners (I'm also 35 and have good ankles). That being said, do you really need a pair of work boots? I wear sneakers or my Xtra Tuff boots, which are alr...
by fishmonger
Mon Oct 16, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 35
Views: 1788

Re: Storing Lawn Tractor over the Winter

Thanks everyone, appreciate the feedback!
by fishmonger
Mon Oct 16, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 35
Views: 1788

Re: Storing Lawn Tractor over the Winter

-Aviation fuel sounds a bit extreme! Thanks all. Can someone explain to me the battery tender and whether that's necessary? I don't have an outlet in my shed. The aviation fuel was actually recommended to me by my power equipment dealer. We have a small airport in town that he runs to every year
by fishmonger
Sun Oct 15, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 35
Views: 1788

Storing Lawn Tractor over the Winter

Just mowed my lawn for what might be the last time here in NH. I bought a Simplicy Broadmoor lawn tractor back in June, and am wondering what you folks think the best option is for storing it in my shed this winter? So far I've had 3 ideas/recommendations: - Just drain the gas and put it in the shed...
by fishmonger
Fri Oct 13, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 2831

Re: Boston area Relocation...major decision points

Worked and lived in both Boston and Salem. I also recommend you rent first. Towns on the 495 belt can be so different (and even neighborhoods within those towns) that I wouldn't jump into buying a place
by fishmonger
Thu Oct 12, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Protein Bars - Recipe?
Replies: 7
Views: 612

Re: Protein Bars - Recipe?

It is quite difficult to get a palatable bar texture without adding some ingredients that you probably don't want (ie. emulsifiers and sugar alcohols). I've tried in the past, but haven't been too successful. Been much more successful making dense muffin-like foodstuffs with an ingredient and macro...
by fishmonger
Thu Oct 12, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Protein Bars - Recipe?
Replies: 7
Views: 612

Protein Bars - Recipe?

Wondering if anyone makes their own protein bars here? I'm a borderline addict, usually have at least one per day. I have protein powder I use first thing in the morning or on weekends, but a bar is generally easier for me as I travel for work and are in the car quite a bit. I spend about $2/bar, bu...
by fishmonger
Fri Oct 06, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Moving from Northern California to New Ipswich New Hampshire.
Replies: 10
Views: 1426

Re: Moving from Northern California to New Ipswich New Hampshire.

Why New Ipswich? I was born and raised in Keene and moved back 5 years ago after living elsewhere (40 mins from New Ipswich). What are your interests? A place like that can be very isolating with not much to do. Many would feel the same way about Keene, but it's a great place to raise a family, and ...
by fishmonger
Mon Oct 02, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2037

Re: On the video games path - how to set it up with younger kids

I think you’d be better off keeping your house video game free. These games are designed to be addictive and turn out highly addictive to some. In return I don’t see any redeeming social value. I think occasional play dates with friends is enough exposure. +1. My kids ask and I say no. Your 6 year ...
by fishmonger
Mon Oct 02, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Boston to Bar Harbor trip
Replies: 33
Views: 2119

Re: Boston to Bar Harbor trip

Portsmouth, NH = go over to Kittery, ME to Black Birch. I live here. No reservations, casual, great beer list. My favorite restaurant. New American style. Get the 3 deviled eggs app, it doesn't matter what they are (it always rotates), the flavors are always more than you expect. https://www.thebla...
by fishmonger
Fri Sep 29, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 5988

Re: My Smartest Financial Moves

In what many would say was a very non-Boglehead move, in 2009 I put 3.5% down on our first home purchase. However, it was a two family and at that time we used the first time homebuyer's tax credit to essentially fund the downpayment ($8k of the $9,275 down payment). This was the version of the cred...
by fishmonger
Thu Sep 28, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4214

Re: Two year lease vs Buy and hold 10 years. A wash?

Admittedly I haven't gone through every reply, so I apologize if someone else covered this. Two big factors that you are not counting are insurance and registration fees. With your leasing strategy, you will in effect be insuring a new car every year for 10 years. Premiums are certainly less for an ...
by fishmonger
Tue Sep 26, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5137

Re: Bogleheads monthly costs of dog ownership?

There problem is when they get to be 10 years old and get arthritis, torn ACL, cancer, heart worms, etc... +1. I have a purebred chocolate lab that just turned 11. Over the previous 10 years, I would say at most we spent $600-700/year, dog was extremely healthy. Six months ago we had a scare and he...
by fishmonger
Thu Sep 21, 2017 10:19 am
Forum: Investing - Theory, News & General
Topic: Multiple sources of income - fact or fiction?
Replies: 12
Views: 1948

Re: Multiple sources of income - fact or fiction?

Agreed this is someone probably trying to sell you annuities or whole life insurance. I've received this pitch from NWM agents when telling them I'm not interested in whole life, their standard response is "well let's just have it be a portion of your savings plan" or "it's important to diversify an...
by fishmonger
Fri Sep 15, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: HSA Timing
Replies: 9
Views: 932

Re: HSA Timing

I understand the rules and the tax treatment.

Confirmed with my HR person that we cannot have funds withheld from payroll. Oh well, still a good deal
by fishmonger
Fri Sep 15, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: HSA Timing
Replies: 9
Views: 932

Re: HSA Timing

Thanks for the replies, I'll fund it starting 11/1. My company does not contribute to the HSA, we have to set up an outside account. Is it still possible to have it taken out by payroll deduction, as long as we have a 125 plan (which we do)? Not sure my HR/payroll manager can handle this is not many...
by fishmonger
Thu Sep 14, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Timing
Replies: 9
Views: 932

HSA Timing

Quick question here. My wife is changing jobs and losing her health insurance effective 10/31. We are going to join my company's HDHP plan effective 11/1, so we'll qualify for the last month rule. Question is can I open an HSA and fund it now (i.e. a month and a half before we have HD coverage)? Or ...
by fishmonger
Wed Sep 13, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Sec125 Plan - Paying Health Premiums OOP and W-2 Treatment
Replies: 0
Views: 277

Sec125 Plan - Paying Health Premiums OOP and W-2 Treatment

So I'll try to make a very long story short. My wife is a teacher who just got a new job in a new district 1 month into the school year. As part of her release, she had to pay her employee's share of our health insurance coverage for the months of July, August and September. She is in a 125 plan and...
by fishmonger
Tue Sep 12, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: buying home w/o real estate agents questions?
Replies: 8
Views: 1112

Re: buying home w/o real estate agents questions?

The seller would pay your agent's commission (unless the owner specifically stated it will not pay co-broker fees). What am I missing?
by fishmonger
Fri Sep 08, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: NW ~$0. Advice for next steps please!
Replies: 10
Views: 1636

Re: NW ~$0. Advice for next steps please!

Main question I have is about your emergency fund - you say $10k is 4 or 5 months of expenses? But you rent in a HCOL area?

And congrats on getting to zero!
by fishmonger
Fri Sep 01, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: How many "investment" accounts do you have?
Replies: 61
Views: 6251

Re: How many "investment" accounts do you have?

I've worked diligently to consolidate various accounts over the last year for DW and I (paying off a bunch of debt helped in this regard as well). Checking/Savings One joint account at a local bank One credit union account I keep active with a small balance (in case I ever want to finance an auto pu...
by fishmonger
Wed Aug 30, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10111

Re: Companies/Brands You Love?

Toyota
North Face for jackets and backpacks
Weber
Samsung
Simplicity for power equipment
by fishmonger
Tue Aug 29, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee for 401k
Replies: 0
Views: 467

Highly Compensated Employee for 401k

Wondering if anyone is familiar with the rules for HCEs for a 401k plan? Specifically we have an employee who went over the $120k threshold in 2016 for the first time due to a large year end bonus. He subsequently retired in April 2017, so his wages are low for this year but his deferral percentage ...
by fishmonger
Sun Aug 27, 2017 5:38 am
Forum: Personal Finance (Not Investing)
Topic: How much $$$ should I expect working in CPA's office for the tax season
Replies: 8
Views: 1292

Re: How much $$$ should I expect working in CPA's office for the tax season

CPA here who no longer does tax preparation. I would guess around $20-25/hour. With some experience, or an EA (I'm guessing you do not want to go the CPA route at this stage) you could get up to $40+ pretty easily
by fishmonger
Thu Aug 24, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: "Bargain" house in HCOL area
Replies: 34
Views: 3787

Re: "Bargain" house in HCOL area

Personally, I would run away. "Bargains" like this don't exist in efficient markets. If it was something that could be turned around and add significant equity, someone would have bought it for cash a long time ago. Home inspectors are generalists and would not come close to giving you the informati...
by fishmonger
Thu Aug 24, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is a Major House Remodel Worth It?
Replies: 21
Views: 2301

Re: Is a Major House Remodel Worth It?

Agree with most posters that $50k will not get you close to completing what you listed, unless you are doing essentially all of the work. You say your home upgraded might fetch $210k, then mention a newer home in a different area would cost $300k. If you love your location, what would a comparable, ...
by fishmonger
Fri Aug 18, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16048

Re: Jobs that pay over $100,000

Agree with the sentiment that "do what you love" is generally BS. Some folks are fortunate to have a perfect storm of a career they love that pays well. On the other hand, you can have a job you simply like (or more importantly are good at) and live a happy, fulfilling life. I was a CPA in private p...
by fishmonger
Fri Aug 18, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9544

Re: Non-fiction bucket list

Another vote for Unbroken. One of my favorite books of all time is Cod: A Biography of the Fish that Changed the World by Mark Kurlansky. A fascinating read that might change the way you think about the New World and how/why travel from Europe was possible. If you have any interest in fishing or wor...
by fishmonger
Thu Aug 10, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Future Accountant Seeking Advice
Replies: 10
Views: 992

Re: Future Accountant Seeking Advice

Agree on going Big 4. In a lot of ways, I think you would get better training and hands on opportunities at a small or medium sized firm. But the contacts you make at the Big 4 will help you the rest of your life if you stay in the profession. The hours will be long and brutal at times, but a lot of...
by fishmonger
Thu Aug 10, 2017 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17450

Re: Life at crossroads. What would you do ?

This thread has run its course. The OP has an attitude problem more than a financial/employment one, which I'm sure employers are picking up on. My advice would be to take a deep breath and take some time to regroup. Your thoughts tend to be all over the place. Consider it a luxury to be able to tak...
by fishmonger
Wed Aug 09, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17450

Re: Life at crossroads. What would you do ?

Guys I'm not whining or being negative intentionally. Just stating my concerns. Moving to LCOL sounds awesome except when you think about the practicalities of getting a job and networking. If I can't get a job with my connections in the valley what chance do I have outside the valley. I don't know...
by fishmonger
Wed Aug 09, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Obtaining Bachelors in Accounting @ 30
Replies: 40
Views: 3260

Re: Obtaining Bachelors in Accounting @ 30

I agree with many of the replies here. Like I mentioned, I have constant doubts about pursuing this Accounting degree and my main motivation is to make a decent salary to sufficiently support a family on my own... but not much about the job itself. I have a gut feeling that that won't be a good dec...
by fishmonger
Mon Aug 07, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Acadia National Park: Bar Harbor, Maine
Replies: 28
Views: 2482

Re: Acadia National Park: Bar Harbor, Maine

We were there the week before the July 4th holiday. Bar Harbor was insanely crowded, I believe the part set attendance records. I would personally avoid staying in Bar Harbor if you are looking for quiet and relaxing. We stayed in Winter Harbor and enjoyed it. We were adjacent to the park and took ...
by fishmonger
Mon Aug 07, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 4029

Re: Boston to Maine road trip

Sounds like coastal Maine would be your best bet then. Heading North from Boston, here's what I would do: Salem, MA - Interesting, quirky town. Tons of history, and the best food town you'll find in MA north of Boston Portsmouth, NH - Basically a smaller Portland - beautiful cobblestone streets, his...
by fishmonger
Mon Aug 07, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 4029

Re: Boston to Maine road trip

My wife and I are thinking of flying into Boston and driving up the coast to Maine,not sure how far up we will go.I would appreciate suggestions and also is there an inland route returning to Boston to see something different.We will be going around beginning of October for about 10 days.Catching t...
by fishmonger
Wed Aug 02, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 2059

Re: Pool Maintenance Savings

Any experience with saline pools? I live in the Northeast and the wife and I are thinking of getting one (above ground) I have a salt pool. Best bang for the buck to get Chlorine in the pool. I like my salt pool as well. I love it. Curious as to what the "cons" are? Admittedly I have not looked int...
by fishmonger
Tue Aug 01, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 2059

Re: Pool Maintenance Savings

Any experience with saline pools? I live in the Northeast and the wife and I are thinking of getting one (above ground)
by fishmonger
Tue Aug 01, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: Data from Construction Companies as Indicator of Economy Health
Replies: 8
Views: 1086

Re: Data from Construction Companies as Indicator of Economy Health

It's fair in a macro sense. Think about all of the industries that their fortunes are by and large tied to commercial/residential development: automotive, heavy equipment, manufacturing/materials, petroleum, banking/finance, etc.

A little different than a tech company coming out with a new app
by fishmonger
Thu Jul 27, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Is this rental house/vacation property be worth considering?
Replies: 22
Views: 1526

Re: Is this rental house/vacation property be worth considering?

Also wondering why it would be listed for 20% below market. Find it hard to believe it would be that deep of a discount AND a desirable rental at the same time.

Six hours is a long way away. We converted a primary residence to a rental when we moved 2 hours away and that was too far for us
by fishmonger
Wed Jul 26, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance as a tax diversification strategy
Replies: 39
Views: 2477

Re: Life insurance as a tax diversification strategy

I disagree that the insurance salesman are not wrong. They are wrong. They are pretending to be fiduciaries by giving financial advice they claim to be in your best interest but for which is definitely not. These high expense insurance products are in the insurance salesman's interest, not yours an...
by fishmonger
Wed Jul 26, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Time, not material goods, 'raises happiness'
Replies: 38
Views: 4317

Re: Time, not material goods, 'raises happiness'

It took me a long time to sign on to having someone come clean our house. Probably my New England upbringing and hearing stories from elders about the Depression, immigrating to this country, etc. It seemed like a luxury that I would be embarrassed to tell people about. I have to say, it is some of ...
by fishmonger
Tue Jul 25, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Property - Best Legal Structure?
Replies: 23
Views: 2032

Re: Rental Property - Best Legal Structure?

Most landlords I know simply pump up their umbrella policy in addition to the insurance on the properties. That's what I did. Added all my rentals to my umbrella. Banks hate dealing with LLCs and rental property when mortgages are in play. +1. Get a good umbrella policy. That's what I did when I co...
by fishmonger
Tue Jul 25, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3819

Re: Golfers - need to ramp up ASAP!

Trust me, most people suck at golf and you can't get better in a month. Memories of you at the golf outing will not be how well you played, but on how many rounds you bought from the cart girl. +1. I really enjoy the game, but because of work, family, other obligations only play a couple of times a...
by fishmonger
Tue Jul 25, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: making a first time home purchase w/ other debts
Replies: 14
Views: 990

Re: making a first time home purchase w/ other debts

@fishmonger -- Read his last sentence "Hopefully cutting my housing costs will allow me to pay back the loans faster while still being able to flex my architect muscles and flip a house here... " He clearly stated he was flipping a house here. It's semantics though. It's not a traditional flip in t...
by fishmonger
Mon Jul 24, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: making a first time home purchase w/ other debts
Replies: 14
Views: 990

Re: making a first time home purchase w/ other debts

Just this old lady opinion based on "life" happening. I would cool your jets, cut your lifestyle, pay off your debts, THEN if you want to do something risky -- like you propose (flip a house in a HOT market), you won't feel the stress or the squeeze. What you are aren't factoring in your equation i...