Search found 158 matches

by lostinjersey
Mon Apr 02, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house?
Replies: 44
Views: 3164

Re: Can we afford this house?

We bought a house in your metro 2 years ago. We spent $305,000 for a 4/3 in an outer suburb with good schools. We spent about $30,000 renovating and another $25,000 on furnishings, blinds, etc. The house is 30 years old and since we moved in we have had to replace fridge, microwave, dishwasher, wash...
by lostinjersey
Sun Mar 25, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Any way to recover lost blog from former website realtravel.com?
Replies: 5
Views: 351

Re: Any way to recover lost blog from former website realtravel.com?

Ok, the Wayback Machine is amazing! Thank you all! I was able to find about 10 of my 40 posts. Only the text, no pix, but I have the pix so can piece it (mostly) back together. So for the other 30 posts, if I search for the exact URL and it tells me it's not archived, does that mean it's done a comp...
by lostinjersey
Sun Mar 25, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Any way to recover lost blog from former website realtravel.com?
Replies: 5
Views: 351

Any way to recover lost blog from former website realtravel.com?

I’m hoping someone can help with an issue that’s really frustrating me. About ten years ago I went on a 6-week vacation and blogged extensively the entire time. The blog was hosted by a site called realtravel.com. I’d like to revisit the blog, but the realtravel.com website no longer exists and the ...
by lostinjersey
Mon Mar 12, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Career Change from HR Benefits to Analytic/STEM Role
Replies: 14
Views: 1352

Re: Advice for Career Change from HR Benefits to Analytic/STEM Role

OP here. Apologies for the delayed response, life has been happening. Thanks to everyone for the great thoughts and suggestions, I'm taking them all under advisement and will be working with a career counselor to see what makes the most sense. It's great to hear there is still hope for me!
by lostinjersey
Thu Mar 01, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Move or renovate?
Replies: 19
Views: 1353

Re: Move or renovate?

We recently bought a 1989 house. Before moving in we painted throughout, removed popcorn ceilings, and put in new carpet (1/3) and hardwood floors (1/3). We left the 1/3 floor that was already hardwood. So floors, walls, and ceilings. We also did a full gut of master bath with new tiled-in shower, a...
by lostinjersey
Thu Mar 01, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Career Change from HR Benefits to Analytic/STEM Role
Replies: 14
Views: 1352

Advice for Career Change from HR Benefits to Analytic/STEM Role

Bogleheads, I'm looking for advice as I make a career change that I have been considering for several years, but have never found the gumption to make happen. It's become clear to me that I have to do something different, so I'm hoping for suggestions on what to do and what not to do. Background: I'...
by lostinjersey
Tue Feb 27, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: "FREE" Employer Group Life - Really Costs You !
Replies: 52
Views: 4336

Re: "FREE" Employer Group Life - Really Costs You !

My Megacorp lets you decline coverage greater than $50k. However, if you later decide you want to go back up to whatever the basic coverage is, you have to provide Evidence of Insurability. This is a standard practice for coverage of this type, so think long and hard about dropping to $50k.
by lostinjersey
Mon Feb 26, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Plan administration expenses for IBM 401k
Replies: 16
Views: 1173

Re: Plan administration expenses for IBM 401k

You need a copy of the annual fee disclosure. It will spell out all the various fees in detail.
by lostinjersey
Sun Feb 18, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: Old 401k Statements
Replies: 9
Views: 881

Re: Old 401k Statements

Keep in mind that recordkeepers only keep 7 years of statements. If you ever need a statement older than that, for a QDRO or to prove Roth or after-tax basis, for example, they won’t have it. I’m a benefits manager and every year I get a couple such requests. I have to shrug my shoulders and say ‘So...
by lostinjersey
Sat Feb 17, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Which book for an 18 year old who is asking about investing?
Replies: 45
Views: 3122

Re: Which book for an 18 year old who is asking about investing?

Good stuff above. As a former 18 year old girl, I’ll say that Beth Kobliner’s Get a Financial Life has stuck with me for 30 years now. Can’t recommend highly enough.
by lostinjersey
Thu Feb 15, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: Increasing SS PIA by working again
Replies: 27
Views: 1708

Re: Increasing SS PIA by working again

I’ve looked at this pretty closely. My general opinion is that once you hit the second bend point, the increase in benefits isn’t really worth getting excited about.
by lostinjersey
Mon Jan 22, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of living comparison (HCOL vs LCOL)
Replies: 85
Views: 6245

Re: Cost of living comparison (HCOL vs LCOL)

I’ve found that housing cost is the single most important factor to weigh, from a financial perspective, when moving.

All other factors pale in comparison.
by lostinjersey
Sat Jan 13, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: COBRA alternative for 1 month? (it's $2,400 per month!)
Replies: 69
Views: 3867

Re: COBRA alternative for 1 month? (it's $2,400 per month!)

I work in benefits. The COBRA loophole is a thing. You can take your chances and may never need it. If you want more peace of mind, catostrophic policies are also a thing. You can call Aetna or UHC or BCBS or any other health insurance provider, and they will sell you a two-month policy for a few hu...
by lostinjersey
Mon Jan 08, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone received their IRS PIN?
Replies: 9
Views: 777

Re: Anyone received their IRS PIN?

We applied in the fall and got our PINs within 4-6 weeks, I’d guess.

Hope yours show up soon.
by lostinjersey
Wed Jan 03, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning for green card parents who are citizens of India
Replies: 29
Views: 2290

Re: Estate planning for green card parents who are citizens of India

I am sorry to hear your parents are not in good health. I would recommend you talk to an estate planning lawyer. At very least your parents need wills and by the sounds of things, healthcare directives. Note also that inheritance rules and exclusions are different for citizens versus non-citizens. ...
by lostinjersey
Wed Jan 03, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with parent under Medicare age?
Replies: 18
Views: 933

Re: What to do with parent under Medicare age?

This is really state-dependent. In CA, where my green card holding in-laws are domiciled, they are eligible for an ACA plan with subsidies. They have less in assets than your MIL, but too much to qualify for Medicaid. Also, I believe as green card holders they are not eligible for Medicaid (I could ...
by lostinjersey
Wed Jan 03, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Thinking we are close to winning the game
Replies: 40
Views: 7445

Re: Thinking we are close to winning the game

I skimmed so not sure if this has been touched upon, but make sure you understand your estimated SS benefits. The SS website assumes you will continue working and earning at your same pay level until you retire, when you're modeling on SSA.gov. If you quit working before you have 35 years of salary ...
by lostinjersey
Sat Dec 30, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Target Net Worth
Replies: 39
Views: 4896

Re: Target Net Worth

$3M, or 25x annual expenses of $120,000. This is investable assets, excluding home equity.
by lostinjersey
Sat Dec 30, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning for green card parents who are citizens of India
Replies: 29
Views: 2290

Re: Estate planning for green card parents who are citizens of India

jcf, wow, that is quite a website. Lots of good information and validates our decision to meet with an attorney to discuss these Byzantine rules. Really appreciate the link! obgraham, thank you for chiming in with your personal experience as a green card holder. That was exactly what I was hoping to...
by lostinjersey
Sat Dec 30, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Employer messed up 401K & HSA contributions
Replies: 11
Views: 1114

Re: Employer messed up 401K & HSA contributions

If they don't fix it in 2017 (and technically they still have time) then I think you are in QNEC territory. Here's a link to the IRS website on this topic.

https://www.irs.gov/retirement-plans/fi ... -elections
by lostinjersey
Sat Dec 30, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 115
Views: 10032

Re: Best 401k Employer Match Structure

For those of us on the old defined benefit pension plan, the 401K match is 100% for the first 6% and vesting is in 3 years. People that arrived after the end of the defined benefit pension get a better 401K deal. I don't know the details of it. My only 401K complaint is that if you hit the federal ...
by lostinjersey
Sat Dec 30, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: When do true-up employer 401k contributions occur?
Replies: 14
Views: 1026

Re: When do true-up employer 401k contributions occur?

Would someone mind telling me what a true up is? I received one too in March, and my assumption has been that it is got to do with the fact that I don't spread my contributions but contribute in a lump sum and therefore don't receive an adequate employer match, which the true up compensates for. Is...
by lostinjersey
Sat Dec 30, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: When do true-up employer 401k contributions occur?
Replies: 14
Views: 1026

Re: When do true-up employer 401k contributions occur?

They can’t be done until after the year ends and they determine who actually needs a trueup. If it’s a C Corp they will typically be completed by March 15 (on a calendar year plan) so the company can deduct on their tax return. S Corp/sole proprietor have an additional month to deposit. Usually you ...
by lostinjersey
Sat Dec 30, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning for green card parents who are citizens of India
Replies: 29
Views: 2290

Re: Estate planning for green card parents who are citizens of India

They are not eligible for Medicare even after 4 years of holding a green card. They have not paid into the system. It used to be that every person over the age of 65 in the USA who was a green card holder or citizen was eligible for Medicare. But in 1997, Bill Clinton signed the bill that made it i...
by lostinjersey
Sat Dec 30, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Estate planning for green card parents who are citizens of India
Replies: 29
Views: 2290

Re: Estate planning for green card parents who are citizens of India

Incognito,

We have not gotten that far. Do you have a recommendation on how to move the funds to the US?
by lostinjersey
Fri Dec 29, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning for green card parents who are citizens of India
Replies: 29
Views: 2290

Re: Estate planning for green card parents who are citizens of India

Thank you eye.surgeon, but we don’t think the 4% rule applies here. She has cancer, expected to live less than five years. He doesn’t have a terminal diagnosis but is unlikely to see 80 if family longevity holds out. And yes, they live with family so expenses other than medical are very low. We are ...
by lostinjersey
Fri Dec 29, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning for green card parents who are citizens of India
Replies: 29
Views: 2290

Re: Estate planning for green card parents who are citizens of India

As parents of a US citizen, after five years they will be eligible for Medicare even though they have no work credits. They will have to pay for both Part A and Part B.

We have a good handle on the health insurance stuff (it wasn’t easy but we got there). Any advice on the other estate issues?
by lostinjersey
Fri Dec 29, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning for green card parents who are citizens of India
Replies: 29
Views: 2290

Re: Estate planning for green card parents who are citizens of India

No, they are on an ACA policy and plan to continue until they are eligible for Medicare in 4 years.
by lostinjersey
Fri Dec 29, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Estate planning for green card parents who are citizens of India
Replies: 29
Views: 2290

Estate planning for green card parents who are citizens of India

DH’s parents are green card holders and citizens of India. They moved to the US (CA) about a year ago and plan to live here the rest of their days (they are 73/68). Neither is in good health. Currently most of their assets are in fixed deposits in India. They also own a home in India that they are p...
by lostinjersey
Mon Dec 18, 2017 8:15 am
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 115
Views: 10032

Re: Best 401k Employer Match Structure

One last comment. As an employer I would stick with a simple formula, for ease of administration and to keep it easy for employees to calculate. 109% of 6% is a lot easier to grasp and check in my head than something like 100% of the first 4% and 50% of the next 4%, even though they are mathematical...
by lostinjersey
Mon Dec 18, 2017 7:48 am
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 115
Views: 10032

Re: Best 401k Employer Match Structure

For those of us on the old defined benefit pension plan, the 401K match is 100% for the first 6% and vesting is in 3 years. People that arrived after the end of the defined benefit pension get a better 401K deal. I don't know the details of it. My only 401K complaint is that if you hit the federal ...
by lostinjersey
Sun Dec 17, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 115
Views: 10032

Re: Best 401k Employer Match Structure

I work in benefits for a SV-based company and did some research on this a couple years ago. At the time the most common match structure was 50% of the first 6%. My company offers 100% of the first 6%, which is on the generous side but not overly generous. It is paid every pay period and there is no ...
by lostinjersey
Sun Dec 17, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: The M in STEM -- Math Activities for Elementary Kids
Replies: 11
Views: 1287

The M in STEM -- Math Activities for Elementary Kids

I am looking for Math-specific activities for elementary aged children as part of a volunteer group I am part of. Our focus is STEM education, but most of our activities fall on the Science/Technology end of the spectrum, and we'd like to change that. Our group works with schools to provide STEM act...
by lostinjersey
Tue Dec 12, 2017 7:44 am
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 13843

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

OP here. Wow, I am blown away by all the responses. It is going to take some time to digest them, but I want to say thank you to everyone who shared their perspective. I was right, the collective wisdom on this board is off the charts. Now if I could only find a simple way to harness it... Some of t...
by lostinjersey
Sun Dec 10, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 13843

What are your big-picture ‘rules of life’ —financial or otherwise?

There is so much wisdom on this site, I’m hoping to tap into it yet again. My DH and I have been married for 10 years and have one DD, age 8. Although we have plenty of advantages (both college educated, good jobs, etc) we still are what I would call bumbling through life and rudderless. Part of thi...
by lostinjersey
Wed Dec 06, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: VTINX for cautious mom with only taxable?
Replies: 6
Views: 1345

Re: VTINX for cautious mom with only taxable?

Thanks everyone. I think we will just stick with VTINX for the time being. It’s simple and the tax drag isn’t going to be that big of a deal.
by lostinjersey
Wed Dec 06, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Cat sitter info
Replies: 21
Views: 1166

Re: Cat sitter info

We do this. Neighbor 16-year-old comes over every day. $10/day in a MCOL. Easy peasy.

Nextdoor is another reference (I didn't read all the replies to see if it's been mentioned already).
by lostinjersey
Sun Dec 03, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: VTINX for cautious mom with only taxable?
Replies: 6
Views: 1345

VTINX for cautious mom with only taxable?

Hello Bogleheads. I’ve been on this site for years and have learned a tremendous amount about investing from you all. However, I’ve never had any need for taxable accounts. My mom has asked me for help with her investments and they are only in taxable so I want to make sure I have a full grasp befor...
by lostinjersey
Thu Nov 30, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3879

Re: housing for in-laws

I’m in a very similar situation except I’m the DIL. I love my in laws and can see all the benefits of having them in my home, including their closeness with our daughter, but man do I hate sharing my kitchen. Whatever you decide, my suggestion is to not half ass it. Get them their own living and coo...
by lostinjersey
Fri Nov 24, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to negotiate a layoff?
Replies: 22
Views: 2595

Re: Is it possible to negotiate a layoff?

DH did this. He was at a company that was clearly going under. When Round 2 of layoffs came around, he raised his hand and asked to be put on the list. They agreed and he got something like a month or two of severance. Nothing life changing, but we already had plans to move across the country and th...
by lostinjersey
Wed Oct 25, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall Question - Farmland Rental versus Sale
Replies: 32
Views: 2390

Re: Windfall Question - Farmland Rental versus Sale

As a woman, I have to ask what your wife wants to do? I’ll likely inherit part of my family’s farm. I have longstanding relationships with the people who are farming it now, going back to my childhood. My husband does not. And, it’s my inheritance, not his. I’ll let him weigh in when the time comes,...
by lostinjersey
Thu Oct 12, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Career Options after Marketing
Replies: 6
Views: 752

Re: Career Options after Marketing

DH left a well paying job as a product manager in tech about 10 years ago to get an MBA... Why.. doesn't he go back into tech? Plenty of marketing, PM, product guy, tech marketing, etc. roles in high tech industry. Guess it depends on where you live, but there are plenty of megacorps with hundreds ...
by lostinjersey
Thu Oct 12, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Career Options after Marketing
Replies: 6
Views: 752

Career Options after Marketing

DH left a well paying job as a product manager in tech about 10 years ago to get an MBA, and then went into CPG brand management. He was under the impression that CPG was where the 'true, pure marketing' took place, and that he could put in 5-10 years, learn all he could, and then go to another indu...
by lostinjersey
Tue Sep 12, 2017 4:04 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 9043

Re: Best Lower Cost USA Cities to Live

Not sure Bozeman should be on your list either. The last I heard, median house price was over $300k, which is pretty crazy for a Montana city (actually town). It wasn't lower cost when I went to college there 25 years ago, and it is wayyyyyyy more expensive now. Typically I think Midwest and South w...
by lostinjersey
Tue Aug 22, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 17
Views: 2018

Re: Transferring Work Locations - Cost of Living Decrease?

There was no impact to my bonus as a result of my move.

I should add that I know of another employee who made a similar move at the same time I did. She was at a lower level (not yet manager) and there was talk that her pay would be adjusted down. I don't know if that happened or not.
by lostinjersey
Tue Aug 22, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Work Locations - Cost of Living Decrease?
Replies: 17
Views: 2018

Re: Transferring Work Locations - Cost of Living Decrease?

My employer is not a megacorp but we do have offices all over the world and US. We will not reduce salaries when an employee moves to a LCOL area. However, it may affect the size of future increases. This is especially true if you are above the market salary for your position and location. This was...
by lostinjersey
Tue Aug 15, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: Experience with Modular/Manufactured Homes
Replies: 14
Views: 2113

Re: Experience with Modular/Manufactured Homes

Thanks everyone for the replies. We will stick with modular homes and cross manufactured off the list. My mom lived in a trailer house in they were first married and she wants nothing to do with them now. Anyone else have recommendations or thoughts on modular homes? I appreciate the suggestions for...
by lostinjersey
Sat Aug 12, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Experience with Modular/Manufactured Homes
Replies: 14
Views: 2113

Experience with Modular/Manufactured Homes

My mom is 67 and lives 10 miles outside of town by herself in the home I grew up in, in Montana. My dad died last year and she has decided she doesn't want to deal with winters in the country any more, so she'd like to move 'into town'. Unfortunately there are no decent homes in the tiny town that s...