Search found 69 matches

by maria00200
Wed Jun 28, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 11941

Re: How did you handle the costs of your child's wedding?

My 1st wedding - spent thousands and thousands of dollars, reception at a fancy hall, expensive dress, all the luxuries, marriage ended in divorce.
My 2nd wedding - wore a plain dress, simple ceremony, afterward a backyard BBQ with close family, all under $200. Been happily married since.
by maria00200
Wed Jun 28, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 228
Views: 24951

Re: Early Retirement - what to do about healthcare?

The Affordable Care Act is based on income. You need enough income to avoid Medicaid but not so much income that you don't qualify for a generous subsidy from the government. 401k money counts as income. In my case, I will report income of approximately $35,000. This is from my wife's job and inves...
by maria00200
Fri Jun 02, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 6374

Re: Pet insurance for new puppy

Definitely get dog insurance but not just any insurance, it should be catastrophic insurance. You'll see some insurance companies advertise they pay for partial wellness program, shots, etc.. [...] We have our insurance through Trupanion and when she was a puppy at 10 weeks old I got her the insura...
by maria00200
Fri Jun 02, 2017 5:14 am
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 6374

Re: Pet insurance for new puppy

Definitely get dog insurance but not just any insurance, it should be catastrophic insurance. You'll see some insurance companies advertise they pay for partial wellness program, shots, etc.. [...] We have our insurance through Trupanion and when she was a puppy at 10 weeks old I got her the insura...
by maria00200
Sat May 27, 2017 6:15 am
Forum: Personal Consumer Issues
Topic: carpet beetles (varied carpet beetle)
Replies: 16
Views: 1790

Re: carpet beetles (varied carpet beetle)

We had a similar problem. I'm not sure if they were carpet beetles or what but they looked similiar to a fruit fly but a tiny bit bigger. Whatever they were, I was very upset. This is what we did: 1.) identify the source and eliminate. In our case, it was an old box of dog treats I had in the back o...
by maria00200
Sun May 21, 2017 3:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Average age of a Boglehead
Replies: 18
Views: 1635

Re: Average age of a Boglehead

40-49.
by maria00200
Fri May 12, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Disabled and Need Good Advice
Replies: 16
Views: 1858

Re: Newly Disabled and Need Good Advice

I would also sit down and go through each and every bill you have, one by one, and see if you can shave as much as you possibly can from each bill. Tv/internet - downgrade to the lowest package or no tv and just use an antenna for locals and Netflix/internet. For phones either just a home phone or n...
by maria00200
Fri May 12, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 3600

Re: Price for brakes and rotors?

That quote is mostly labor costs. If you're in the New York area, my husband can do it for half the price! 8-)
by maria00200
Thu May 11, 2017 6:56 am
Forum: Personal Finance (Not Investing)
Topic: title of my home in my name but I'm remarried
Replies: 30
Views: 3183

Re: title of my home in my name but I'm remarried

well the reason why I wanted it to go to my child is because when I got the house in 2003, my mom helped me with a big chunk of the down payment, and it was her wish for the house to go to my kid when I pass. So this complicates things now. I will have to work something out and have a long talk with...
by maria00200
Wed May 10, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: title of my home in my name but I'm remarried
Replies: 30
Views: 3183

Re: title of my home in my name but I'm remarried

Thanks all for the replies. Yes, both lawyers I talked to specialize in estate planning, wills, etc. which is why I was confused. I think what I will do is look up a different attorney that has been in business for a long time so they know what they're talking about, and see what they say. In the m...
by maria00200
Wed May 10, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: title of my home in my name but I'm remarried
Replies: 30
Views: 3183

Re: title of my home in my name but I'm remarried

Thanks all for the replies. Yes, both lawyers I talked to specialize in estate planning, wills, etc. which is why I was confused. I think what I will do is look up a different attorney that has been in business for a long time so they know what they're talking about, and see what they say. In the me...
by maria00200
Wed May 10, 2017 6:55 am
Forum: Personal Finance (Not Investing)
Topic: title of my home in my name but I'm remarried
Replies: 30
Views: 3183

title of my home in my name but I'm remarried

I bought my home when I was single in 2003, and I have one child from a previous marriage (live in New York). I remarried since then a couple years ago, but never added my current husband to the title of my home. My question if anyone knows is, when I pass (assuming I pass first which is more likely...
by maria00200
Tue May 02, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 27353

Re: Where to Live on $60K or Less a Year?

I'll throw in a plug for Western New York - the severity of our winters has been dampened considerably in the past decade, so NYS taxes seem to be the lone glaring omission from your list. We in the Buffalo/Niagara Falls metro area have abundant outdoor activities (both water and inland), very low ...
by maria00200
Fri Apr 28, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: A Game of "Who is responsible"
Replies: 45
Views: 3131

Re: A Game of "Who is responsible"

No, you should NOT be responsible for the house call fee (the 2nd time they came), because it isn't your fault that they did not test it before they left when they first installed everything. I would be raising hell and flat out refusing to pay for a house call lol. Also why would you have to pay fo...
by maria00200
Wed Apr 26, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: VTIVX vs. VASGX
Replies: 4
Views: 498

Re: VTIVX vs. VASGX

Ok. But what does the 0.12 and 0.16 mean?
by maria00200
Wed Apr 26, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: VTIVX vs. VASGX
Replies: 4
Views: 498

VTIVX vs. VASGX

So I've been going back and forth on whether I want to have VTIVX (Target retirement 2045) or VASGX (LifeStrategy Growth) in my Roth IRA, so I have been following both out of curiosity. I noticed the past couple days that VASGX went up a little bit more than VTIVX, but I don't understand why. Here i...
by maria00200
Tue Apr 25, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3656

Re: co-worker had a baby chipping in on gift- how much?

I would not pitch in anything. Call me cheap but I have enough trouble coming up with money for my family, extended family and circle of friends for every birthday/anniversary/Christmas/Easter/Wedding/ u get the idea... If I had to worry about co workers too it would start getting ridiculous. Polite...
by maria00200
Mon Apr 24, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 3532

Re: Best vacuum cleaner for pet hair?

I have a Dyson Allergy and I'm very happy with it.
by maria00200
Thu Apr 13, 2017 6:19 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2790
Views: 804128

Re: What Movie Have You Recently Watched?

"A dog's Purpose." It was heartwarming and made me cry at least 4 times throughout the movie. I highly recommend it.
by maria00200
Wed Apr 12, 2017 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Cheapest way to order contact lenses?
Replies: 27
Views: 3611

Re: Cheapest way to order contact lenses?

Contact lens King. For me, it's the cheapest. Especially if you can find a promo code.
by maria00200
Sat Apr 08, 2017 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting, job choices
Replies: 17
Views: 1256

Re: Budgeting, job choices

Honestly I didn't mean any disrespect at all, I was just saying the more money people have, it seems like they don't appreciate it anymore and just blow it without thinking. Is there a reason why your wife can't do the cleaning if you can't? Maybe she's better off cutting her hours at work and that ...
by maria00200
Sat Apr 08, 2017 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting, job choices
Replies: 17
Views: 1256

Re: Budgeting, job choices

It seems like the more money people make, the more they spend and don't value the dollar any more. Over 4K a month in rent? Was that a typo? Maids? Blowing that much money on shopping every month? Over 2k a month on food monthly? Smh. Hubby and I make 50k a year annually, but our bills are much much...
by maria00200
Fri Apr 07, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: I cut the cord a couple years back but think I'm going back to cable
Replies: 24
Views: 3648

Re: I cut the cord a couple years back but think I'm going back to cable

I have Verizon Fios internet plus custom tv essentials for $64.99 plus tax. To save a bit of money, I don't have rent their cable box (that saves me $12/month) and don't have DVR service. I bought 1 Roku for each tv in the house. On Roku, there are several apps to stream tv, such as discovery, hist...
by maria00200
Thu Apr 06, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: target retirement fund question
Replies: 6
Views: 447

Re: target retirement fund question

thanks for the replies! I still haven't decided what I want to do yet, but I appreciate the advice :)
by maria00200
Thu Apr 06, 2017 7:31 am
Forum: Investing - Help with Personal Investments
Topic: target retirement fund question
Replies: 6
Views: 447

Re: target retirement fund question

This is the 2050 fund (currently). Through the years it glides to more bonds and eventually an income fund in the year 2050. Vanguard Total Stock Mkt Idx Inv 54.05% Vanguard Total Intl Stock Index Inv 35.83% Vanguard Total Bond Market II Idx Inv 7.15% Vanguard Total Intl Bd Idx Investor 2.88% this i...
by maria00200
Thu Apr 06, 2017 6:59 am
Forum: Investing - Help with Personal Investments
Topic: target retirement fund question
Replies: 6
Views: 447

target retirement fund question

Hi all. I'm 45 years old and have a Vanguard target retirement 2050 fund in my IRA that I put money in every year. I wanted a little more risk so that's why I picked 2050 but now I'm thinking maybe that's a bad idea and I should pick maybe 2040 or even 2045. I kind of based it on my husband's age be...
by maria00200
Wed Apr 05, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Spending beyond my means, I think..is my budget out of whack?
Replies: 81
Views: 9026

Re: Spending beyond my means, I think..is my budget out of whack?

Just curious, why are your kids in pre-school at all? That would save you a lot of money by taking them out.
by maria00200
Tue Apr 04, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: I cut the cord a couple years back but think I'm going back to cable
Replies: 24
Views: 3648

Re: I cut the cord a couple years back but think I'm going back to cable

I have Verizon Fios internet plus custom tv essentials for $64.99 plus tax. To save a bit of money, I don't have rent their cable box (that saves me $12/month) and don't have DVR service. I bought 3 Rokus for each tv in the house. On Roku, there are several apps to stream tv, such as discovery, hist...
by maria00200
Mon Apr 03, 2017 2:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 372
Views: 58484

Re: Roll Call for the Retirement Class of 2014!

I "retired" in 2014 when I was 43. My husband is the main breadwinner in the home. He tells me I don't have to work if I don't want to, so I decided to be a full time stay at home wife, and mom of a teenager. I stay busy from sun up till sun down. I literally make it a job to be a housewif...
by maria00200
Thu Mar 30, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing and handling shared and split assets after divorce
Replies: 55
Views: 3617

Re: Divorcing and handling shared and split assets after divorce

Since the house has $200k more equity than the condo, she can somehow compensate for that by not taking the alimony, and/or taking some money out of the 401k, and letting you keep the 20k in cash. Probably won't add up to the 200k she would owe you, but at least the kids can stay living in the famil...
by maria00200
Thu Mar 30, 2017 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Divorcing and handling shared and split assets after divorce
Replies: 55
Views: 3617

Re: Divorcing and handling shared and split assets after divorce

Speaking as a divorced woman myself,(and I have a child with my ex), the nesting idea is horrible! How unbelievably awkward. Especially when either of you find another significant other. I would divide all assets now. she takes the house, you take the condo. Divide everything else.
by maria00200
Thu Mar 30, 2017 6:56 am
Forum: Personal Finance (Not Investing)
Topic: What if no taxes were paid on 1099DIV qualified dividends?
Replies: 23
Views: 1402

Re: What if no taxes were paid on 1099DIV qualified dividends?

the only way you'll really know is by asking her parents if they paid taxes on it. You could try asking the IRS directly I would think. I would definitely try to find out sooner rather than later before you get audited.
by maria00200
Tue Mar 28, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: taxable account
Replies: 8
Views: 707

Re: taxable account

Thanks all.
by maria00200
Tue Mar 28, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: taxable account
Replies: 8
Views: 707

taxable account

Hi all. Quick question. After all IRA's and 401k's are maxed out, and it's time for me to open a taxable account to save in, what is the best mutual fund or funds, or ETF, to put in it for a set it and forget it approach? I'm a lazy investor and don't feel like re balancing every year, which is why ...
by maria00200
Wed Mar 22, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: child support question
Replies: 38
Views: 1576

Re: child support question

No, my ex absolutely does not pay anything else for my son, above and beyond child support. (Except obviously when he spends time with him every other weekend at his house, like food). But ALL clothes, school supplies, any educational related things (lunches, etc), co-pays and medical that isn't cov...
by maria00200
Wed Mar 22, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: child support question
Replies: 38
Views: 1576

Re: child support question

Does your ex live close by or relatively close by? How are his kids dressed? Does his wife work? Does he live in a safe neighborhood? Is he gainfully employed? He's been paying $400 a month, for 10 years? My understanding through relatives who've been through this is the payer can have up to 50% of...
by maria00200
Wed Mar 22, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: child support question
Replies: 38
Views: 1576

Re: child support question

You can get some idea of whether he can pay more from his lifestyle. Does he live in a nice home in a nice neighborhood or a hovel in a slum? Does he drive nice cars or beaters? His wife is a stay at home mom, they drive 2 cars, one decent SUV, one old car. They are definitely not rich and struggli...
by maria00200
Wed Mar 22, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: child support question
Replies: 38
Views: 1576

Re: child support question

If you are reliably getting the $400 per month (even though he may complain), how possible or likely will it be that, say, $500 per month may not be that reliable? How close are you to the end of the required child support? It will probably be a big chance if it gets increased, he will take it to c...
by maria00200
Wed Mar 22, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: child support question
Replies: 38
Views: 1576

Re: child support question

yes, there is a chart on the child support website that is followed. For one child, it's 17% of his income. Problem is, I have no idea what his income is now. (he certainly won't tell me either). It could be LESS than what he made 10 years ago, and I'll end up getting less. Do I chance it anyway?
by maria00200
Wed Mar 22, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: child support question
Replies: 38
Views: 1576

Re: child support question

thank you for the replies. This is such a hard decision for me. Not because I don't think I should take the increase for the benefit of my son, but because I'm scared of the unknown if the judges lowers it. What if my ex is making minimum wage now and alot less than he was 10 years ago? I have no cl...
by maria00200
Wed Mar 22, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: child support question
Replies: 38
Views: 1576

child support question

So I have one son from a previous marriage. I have been getting $400/month in child support for the past 10 years. Every two years, child support unit sends me a letter saying I have a right to do a Cost of Living increase, I can either accept it (don't have to go to court or anything), or decline i...
by maria00200
Mon Mar 20, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Wife going back to school. What financial steps should I take?
Replies: 23
Views: 1362

Re: Wife going back to school. What financial steps should I take?

I would really think about all this. The distance and barely seeing each other will strain your marriage. My husband had a high paying job (long time ago), but had to travel. We had lots of money but were miserable. Eventually he quit and got a pay cut, but we are much happier. I know it's different...
by maria00200
Sun Mar 19, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to start investing with a very small balance?
Replies: 3
Views: 317

Re: Best way to start investing with a very small balance?

Schwab has low minimums. You could put it in an S&p 500 fund starting with only $100, or even a target retirement index fund with also a low minimum.
by maria00200
Sun Mar 19, 2017 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 221
Views: 45715

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

You should immediately, like today, remove your BIL from being financial power of attorney. Then file charges against him for fraud. Best of luck.
by maria00200
Fri Mar 17, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: VWELX [Vanguard Wellington]
Replies: 40
Views: 3917

Re: VWELX

thanks for the info :)
by maria00200
Fri Mar 17, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: VWELX [Vanguard Wellington]
Replies: 40
Views: 3917

Re: VWELX

I'm not showing that VWELX is closed to new investors. Where did you see that?
by maria00200
Fri Mar 17, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: VWELX [Vanguard Wellington]
Replies: 40
Views: 3917

Re: VWELX

ah i see.
by maria00200
Fri Mar 17, 2017 7:17 am
Forum: Investing - Help with Personal Investments
Topic: VWELX [Vanguard Wellington]
Replies: 40
Views: 3917

VWELX [Vanguard Wellington]

What does everyone think about the oldest mutual fund in the country, VWELX? I was reading up on it and the returns on it since 1929 have been impressive, with a low expense ratio. Why not just invest in this one fund and forget everything else?
by maria00200
Sun Mar 12, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: What to do about a bad neighbor in same unit -- both renters of same landlord.
Replies: 43
Views: 5479

Re: What to do about a bad neighbor in same unit -- both renters of same landlord.

My suggestion would be not to rent, and instead buy a small house and you wouldn't have to deal living with strangers in the same building.

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