Search found 99 matches

by leeks
Mon Apr 24, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 44
Views: 4556

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

3. My husband is upset because I spend so much time and money for my parents and family back home. He views my family as a burden to our "own" family. They are also very controlling, at least with me. Therefore, although his pay is 1/3 of mine; he refuses to stay home. He only stays home ...
by leeks
Thu Apr 20, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Calling for all the Moms: career and family.
Replies: 44
Views: 4556

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

I don't have teenagers yet but, having been a teenager, my suggestion is for you and your husband to have this conversation with your children if it is not already something you discuss with them. It may be interesting for you to hear their perspectives. They may be eager to take on more independenc...
by leeks
Wed Apr 12, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 26638

Re: USAA 2.5% Cash Back Credit Card

This card didn't show up in my offers when I was logged into USAA, but I got to it by logging out and then typing in: http://www.usaa.com/limitless A monthly transfer from another bank is meeting the "direct deposit" requirement without issue. The transfer is initiated at the other bank (...
by leeks
Wed Apr 12, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 26638

Re: USAA 2.5% Cash Back Credit Card

This card didn't show up in my offers when I was logged into USAA, but I got to it by logging out and then typing in: http://www.usaa.com/limitless A monthly transfer from another bank is meeting the "direct deposit" requirement without issue. The transfer is initiated at the other bank (a...
by leeks
Wed Apr 12, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: STEM & "coding" toys for little ones ?
Replies: 41
Views: 3233

Re: STEM & "coding" toys for little ones ?

blocks are the best, lots of plain wooden blocks in assorted shapes (greater quantities as they get older) we like the made-in-vermont ones from Maple Landmark, but any brand will do if they don't seem into them, try putting all other toys out of sight and start building your own creations next to t...
by leeks
Tue Apr 11, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Tax Benefits from Condo Purchase
Replies: 3
Views: 338

Re: Maximizing Tax Benefits from Condo Purchase

I wouldn't let taxes dictate when you get married. Since you are already planning to "get married" this fall, I would just do it the legal way. It sounds complicated to have your friends and family think they attended a wedding but then you are not actually married. Taxes are not the only ...
by leeks
Tue Apr 11, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Terminal diagnosis. Single parent. Plan for child.
Replies: 11
Views: 2297

Re: Terminal diagnosis. Single parent. Plan for child.

So the plan for the child would be to work in summers and work during school and get launched. I don't see where the child needs any money beyond what is apparently already available for college. +1 Don't skimp on the here and now. Quality of life in the time remaining is more important than a post...
by leeks
Fri Apr 07, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Any reason NOT to do a backdoor Roth IRA?
Replies: 56
Views: 3886

Re: Any reason NOT to do a backdoor Roth IRA?

I have a close relative who is a CPA and thinks it is not allowed. He realizes one can easily do it and probably not expect any consequences. But he feels it would violate his professional ethics to recommend it or assist clients with it.
by leeks
Thu Apr 06, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 5203

Re: Help on how to spend more on myself (First World Whine)

We are talking items costing $200 to $1,500, strangely if it was a new car I doubt I would have an issue, but we set aside money specifically for things like that. Use the same approach. Set aside money specifically for the mid-range fun purchases you are talking about. Maybe you need to see it in ...
by leeks
Thu Apr 06, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 5438

Re: How many financial secrets?

No secrets of any kind. We have complete trust and have never had an issue about financial disclosures. We lived together for 7 years before marriage and dealt with finances as roommates (separate accounts, contributed equally to household expenses, etc). I had been doing his taxes as a birthday pre...
by leeks
Tue Apr 04, 2017 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3336

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

My last employer allowed unused PTO to be cashed out annually or rolled over. All employees (no matter the circumstances of their departure) were paid for any unused PTO when they left. My husband has a very generous employer and he gets an annual allocation of sick and personal days (no cash out or...
by leeks
Tue Apr 04, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Help with college choice
Replies: 125
Views: 5258

Re: Help with college choice

midlemom wrote:He loved UPenn but yet to visit Vandy.
Not sure if it is too southern for my Asian kid.


Vanderbilt seems to be the obvious choice but send him to visit before confirming.
by leeks
Tue Apr 04, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice/help selecting new health insurance company - Pregnancy
Replies: 10
Views: 710

Re: Need advice/help selecting new health insurance company - Pregnancy

I expect ( and prays) she gives birth mid Dec than Jan for annual MOOP(maximum out of pocket)/Deductible treatment reasons. My assumptions are no complications and delivery occurs by year end. Congratulations, parenthood is a fun adventure! It must be stressful to face a job search at this time, bu...
by leeks
Tue Apr 04, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?
Replies: 35
Views: 1984

Re: Not schlepping furniture down 2 flights of stairs, so what's an economical way to move?

Best situation is a new employer that reimburses you for moving expenses and then you can go full-service route. If moving for a job, you might be able to at least get a tax deduction for the expenses. We had a good experience with door-to-door (a competitor of pods) and they can provide labor for l...
by leeks
Tue Apr 04, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Union Places Me in Crosshairs
Replies: 17
Views: 1899

Re: Credit Union Places Me in Crosshairs

The most likely explanation is that your mail was misdelivered. A neighbor opened it, realized the mistake, and kindly put it in your mailbox. If someone intended to steal your identity with that information, why return it to you? I would assume it was a well-meaning neighbor and not worry about it.
by leeks
Fri Mar 31, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 1896

Re: public service loan forgiveness: expecting it? consider spousal income!

noticed this article today:
"Student Loan Forgiveness Program Approval Letters May Be Invalid, Education Dept. Says"
https://www.nytimes.com/2017/03/30/busi ... wsuit.html
by leeks
Tue Mar 28, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 4605

Re: Daughter maxed out credit cards, needs help from me

My advice is don't enable the daughter by bailing her out. My Mom's first and last answer was "That's too bad. How are you going to handle it?" I learned to handle my money very quickly. I would 1) Teach your daughter about budgeting. Pay for her YNAB subscription if you want. 2) Show her...
by leeks
Mon Mar 20, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to buy a house in our neighborhood?
Replies: 20
Views: 1442

Re: What would it take to buy a house in our neighborhood?

...couldn't you move outside of the city, buy a cheaper place you can afford and still maintain your social life? ... The point is it's foolish to burden yourself with debt and stress just to "live where the cool kids live" if that is a small portion of your life. Some handle debt better ...
by leeks
Mon Mar 20, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to buy a house in our neighborhood?
Replies: 20
Views: 1442

Re: What would it take to buy a house in our neighborhood?

With your income, you could buy a very spacious and new house in a lower cost, higher quality of life part of the country. My husband could not make his current income level outside of NYC unless we went to the west coast and I don't want the kids to live that far from their grandparents. He never ...
by leeks
Mon Mar 20, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to buy a house in our neighborhood?
Replies: 20
Views: 1442

Re: What would it take to buy a house in our neighborhood?

You have $100k in cash now, but can save $80k a year moving forward, what is causing the discrepancy, recent raise? The crazy high income is new for us. My husband is at his first job after grad school, he finished his phd two years ago. My last salary was 60K. I had student loans. What is the plan...
by leeks
Mon Mar 20, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to buy a house in our neighborhood?
Replies: 20
Views: 1442

Re: What would it take to buy a house in our neighborhood?

If you're in your mid 30s with 2 kids, how often do you see your friends? During the week? Only weekends? It's true we don't see our non-parent friends very often anymore! Our friends in the neighborhood are also parents of young children so most of our socializing is as a family (and this neighbor...
by leeks
Mon Mar 20, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to buy a house in our neighborhood?
Replies: 20
Views: 1442

What would it take to buy a house in our neighborhood?

We are in our mid 30s and have an infant and toddler. We live in NYC (not Manhattan) and have been renting for two years in a neighborhood with all the amenities we prefer for our family. We have built a network of friends here and would not consider another part of NYC or suburbs. We intend to stay...
by leeks
Mon Mar 20, 2017 1:06 am
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 1896

Re: public service loan forgiveness: expecting it? consider spousal income!

JimmyD wrote:My bet is that there eventually will be changes, but those changes will only apply to new borrowers.

I think it is a reasonable assumption that future changes would only apply to new borrowers. I hope it works out for your family as expected.
by leeks
Sat Mar 18, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 1896

Re: public service loan forgiveness: expecting it? consider spousal income!

I did check that. Married filing separately would not have been worth it. I'm just really curious to hear of anyone who is actually taking advantage of the forgiveness for a significant amount. I suspect that there may be few for whom it works out to be much benefit. Obviously there is nothing wrong...
by leeks
Sat Mar 18, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 1896

Re: public service loan forgiveness: expecting it? consider spousal income!

I think your math may be off The income based repayment plan caps your payment at the amount equal to a 10-year amortization. In other words, the payment stops increasing with income once you cross that threshold. If you are in IBR, you won't be paying the loan off early and you will still benefit ...
by leeks
Fri Mar 17, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: public service loan forgiveness: expecting it? consider spousal income!
Replies: 18
Views: 1896

public service loan forgiveness: expecting it? consider spousal income!

Is anyone nearing the 120 payments and expecting to benefit from Public Service Loan Forgiveness? I believe late 2017 will be the first time anyone could be eligible for it and I am fascinated to know if anyone is actually getting a benefit. I posted about my 70K loans in 2011: https://www.boglehead...
by leeks
Sun May 22, 2011 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tips on buying a used car.
Replies: 34
Views: 4211

pannkake wrote:Most college students don't have or need cars, and she'll make friends that do have them.

+1
by leeks
Sat May 21, 2011 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Zero credit history--what can I do?
Replies: 26
Views: 3196

The Truth About Your Credit Score
Can you really live without it?

http://www.daveramsey.com/article/the-t ... editcards/

Many do not agree, but I find it interesting to consider this perspective.
by leeks
Wed May 18, 2011 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is New Air Conditioner worth the cost?
Replies: 19
Views: 11514

bru wrote:
HardKnocker wrote: A/C is a luxury.


It's a "luxury" that the majority of households (not to mention cars) in the US have.


I have lived in apartments without air conditioning for the last 13 years in mid-Atlantic and northeast states. I find fans to be adequate in summer.
by leeks
Wed May 18, 2011 12:32 pm
Forum: Personal Consumer Issues
Topic: Vegetable gardening
Replies: 97
Views: 13668

Epaminondas wrote:You can't get a better book than this:

How to Grow more Vegetables

It walks you through the whole process from soil prep to harvest. You learn which plants like to be near each other and which you need to separate. It is great!


+1

I refer to it often.
by leeks
Tue May 17, 2011 5:05 pm
Forum: Investing - Theory, News & General
Topic: NYTimes: The Dave Ramsey 12% solution
Replies: 86
Views: 13593

I've found his get-out-of-debt advice excellent. He focuses more on the behavioral aspects than the math. For example, paying off credit cards lowest balance first. People who are struggling to climb out from under too much debt will likely find much more relief and motivation to keep going by whit...
by leeks
Sun May 15, 2011 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Going carless
Replies: 30
Views: 3598

I may also be going carfree at some point in the future and have priced the options in my town. Through a university, I have access to a carshare service that is a competitor to zipcar, with slightly lower prices (about $50 for a full day rental). Since it is designed for people without cars, the re...
by leeks
Thu May 12, 2011 1:25 pm
Forum: Forum Issues and Administration
Topic: Which Boglehead Index for viewing posts do you use?
Replies: 24
Views: 2557

I use that one too.
by leeks
Wed May 11, 2011 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Are we stupid for paying extra on house?
Replies: 73
Views: 7249

Claude wrote:
Wind power wrote:Sometimes peace of mind is a wise investment too.
I paid mine off early...over 10 years ago and still feel good about it today.
Zero stress has a value


+1 :D


+2
by leeks
Wed May 11, 2011 11:43 am
Forum: Personal Consumer Issues
Topic: Best coffee maker
Replies: 66
Views: 10162

Yup, those things are awesome. I use mine every day. (And wow, 77 dollars? Mine was 10 bucks at an Asian grocer.) Indeed, these can be found for low cost and the most common varieties are made of aluminum. We splurged to order one in stainless steel (aren't fans of aluminum). We also paid more to u...
by leeks
Wed May 11, 2011 10:43 am
Forum: Personal Consumer Issues
Topic: Vanguard Flagship Community?
Replies: 17
Views: 3577

Is this the "black card" part of Vanguard? I heard they sent specific invites out to join for that. Any idea of how much one needs to have to be asked to join the "really rich" club? 5 mill? 10 mill? Defintely curious. Below from https://personal.vanguard.com/us/whatweoffer/pers...
by leeks
Wed May 11, 2011 10:28 am
Forum: Personal Consumer Issues
Topic: Best coffee maker
Replies: 66
Views: 10162

http://ecx.images-amazon.com/images/I/21E75GF67QL._SL500_SS75_.jpg http://www.amazon.com/Bialetti-Musa-10-Cup-Stovetop-Percolator/dp/B000E306Q6/ref=sr_1_11?s=home-garden&ie=UTF8&qid=1305127058&sr=1-11 I love the stovetop percolator. Compact, fast and no counter space needed. No filters....
by leeks
Tue May 10, 2011 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard cuts minimum investments on 27 funds
Replies: 28
Views: 5496

A nice change!
by leeks
Mon May 09, 2011 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Young but risk-adverse investor seeks advice
Replies: 9
Views: 1399

Gray wrote:If you plan on living cheaply by yourself doing not much and riding your bike to work, I'd say you have quite the plan.


I consider it a wonderful luxury to be able to walk or bike to work!
by leeks
Mon May 09, 2011 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Raiding Roth IRA
Replies: 31
Views: 3773

juventussoccr wrote: I know it was stupid of me to even think about taking it out of my roth ira.


Don't be so hard on yourself! You knew the idea didn't feel quite right and that's why you came to post on this forum. That is a good sign.
by leeks
Mon May 09, 2011 1:22 am
Forum: Investing - Help with Personal Investments
Topic: Young but risk-adverse investor seeks advice
Replies: 9
Views: 1399

Renters insurance is really cheap so it is probably a good idea. For example, mine is $120 per year. Get a quote from your car insurance company as you may get a discount for adding on renters insurance that makes it even more affordable.
by leeks
Sun May 08, 2011 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: When did you become a boglehead?
Replies: 36
Views: 3757

I picked the last option as I have a hard time remembering which is bear and which is bull and I don't even know what sideways means with respect to markets. How's that for ignoring the market noise! I looked up the etymology of bear and bull markets on wikipedia. The article is unsatisfying: http:/...
by leeks
Sun May 08, 2011 10:33 pm
Forum: Personal Consumer Issues
Topic: Career or even job advice
Replies: 11
Views: 1744

Edited post above to remove "with this mindset." I didn't mean to offend!
by leeks
Sun May 08, 2011 9:27 pm
Forum: Personal Consumer Issues
Topic: Career or even job advice
Replies: 11
Views: 1744

A sustainable food system is just plain farming then, right? Since every farmer I know is vested in his/her land and requires that it continue to produce for generations to come. . . Farmers are indeed an integral part of a sustainable food system. To read more about how urban planners approach foo...
by leeks
Sun May 08, 2011 9:09 pm
Forum: Personal Consumer Issues
Topic: Some red meat healthier than pork or chicken?
Replies: 107
Views: 10165

Beans and whole grains contain all sorts of anti-nutrients that are harmful to your body, I avoid them in their entirety. Gluten, phytates, lectin just to name a few. Do you have nagging inflammation/pain? Cut out sugar and grains/beans and see how you feel after a week - you may be pleasantly surp...
by leeks
Sun May 08, 2011 8:18 pm
Forum: Personal Consumer Issues
Topic: Poll: What would Bogleheads spend for a car? (assume buying
Replies: 45
Views: 5001

The "hassle of owning a car"? What does this mean? Having to get the oil changed every 3-5K miles? Having to park it somewhere? Washing it? I don't bother with washing but yes, car insurance renewals, oil changes, vehicle registration renewal, annual parking permits at apartment/school/wo...
by leeks
Sun May 08, 2011 7:27 pm
Forum: Personal Consumer Issues
Topic: Some red meat healthier than pork or chicken?
Replies: 107
Views: 10165

Even though perhaps red meat, even lean meat, has other bad things in it, I still would rather eat it than white bread, white pasta, or other junk food. Luckily, one's options in life do not consist of only red meat or junk food! And it's not like your protein sources are limited to beef, chicken o...
by leeks
Sun May 08, 2011 6:42 pm
Forum: Personal Consumer Issues
Topic: Poll: What would Bogleheads spend for a car? (assume buying
Replies: 45
Views: 5001

$2K. However, when my current car finally dies (it is 24 years old!), I hope to never buy another one. I hate the hassle of car ownership and will only live in places where I can commute without one. It's easy enough to just rent a car for occasional needs.
by leeks
Sun May 08, 2011 5:28 pm
Forum: Personal Consumer Issues
Topic: Career or even job advice
Replies: 11
Views: 1744

from USDA: "A food system includes everything from farm to table." http://fnic.nal.usda.gov/nal_display/index.php?info_center=4&tax_level=2&tax_subject=276&topic_id=1344 There are a variety of perspectives on what would constitute a sustainable food system. Here is one from the...
by leeks
Sun May 08, 2011 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Social security going paperless
Replies: 19
Views: 2554

Re: Social security going paperless

Why do millions of people *not* have checking accounts? It seems to me that having one is almost as basic a tool of modern civilization as having a mailing address, a telephone, or knowing how to read and write. Moreover, having a checking account can be literally free... there are banks that will ...

Go to advanced search