Search found 115 matches

by rjsob58
Tue Sep 13, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Suggestions for locations for post-Christmas vacation in Carribbean?
Replies: 13
Views: 1181

Re: Suggestions for locations for post-Christmas vacation in Carribbean?

I don't know that it meets all your criteria, but since you mentioned young children - take a look at FDR Resort in Jamaica. It is all-inclusive and provides your own "vacation nanny". We did this when are twin sons were about 3 or 4 years old. The resort is small, but having someone avail...
by rjsob58
Wed Aug 24, 2016 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Early Withdrawals: 55 Rule and SEPP clarification
Replies: 8
Views: 726

Re: Early Withdrawals: 55 Rule and SEPP clarification

jjface, I do have an existing HELOC with a zero outstanding balance I can use as well as some other resources. But I'm not sure I want to add to my expenses (payments on a HELOC) just to avoid withdrawals from the IRA. Although at the moment, the current return on that IRA is greater than the rate I...
by rjsob58
Wed Aug 24, 2016 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Early Withdrawals: 55 Rule and SEPP clarification
Replies: 8
Views: 726

Re: Early Withdrawals: 55 Rule and SEPP clarification

Thanks Livesoft. I will research the specifics of my 401k withdrawal rules. I will not be working for them by the end of 2017 - I'm just trying to decide whether I'm going with the "one more partial year" vs. cut the cord completely this January. I know the SEPP withdrawals are limited, bu...
by rjsob58
Wed Aug 24, 2016 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Early Withdrawals: 55 Rule and SEPP clarification
Replies: 8
Views: 726

Early Withdrawals: 55 Rule and SEPP clarification

I will be 59 ½ in October of 2017. I plan to stop working full-time at the beginning of 2017, continuing as a consultant or part-time employee for my current firm. How much work/$$ and how that is structured (1099 vs W-2) is yet to be determined. I want to nail down a contingency plan for covering m...
by rjsob58
Mon Jun 13, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to best afford IVF
Replies: 53
Views: 4934

Re: How to best afford IVF

Some good advice so far, so I'll just relate my own experience - not really financial advice though. We started with the individual cycles (16 years ago - our twin sons turn 16 next month). After 2 of those, we started looking at the package deals and took a 4 cycle option which I took a personal lo...
by rjsob58
Fri May 13, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Keep Twins in Same Class for Kindergarten?
Replies: 41
Views: 4553

Re: Keep Twins in Same Class for Kindergarten?

Our twins are almost 16 now. They were together in kindergarten, then separate after that. At that age, I think keeping them together is fine. Later, I think it is better that they establish their own identity, not tied to the other. That's all personal opinion. P.S. - ours were boys, so we thought ...
by rjsob58
Fri May 13, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Do not like PG County Elementary Schools what are my options
Replies: 32
Views: 3845

Re: Do not like PG County Elementary Schools what are my options

If you can move, Fairfax City would be my #1. Have 2 teenagers in HS and been in FX city schools from Kindergarten through now. Fairfax county would be my #2. The schools are excellent and all in the top US ranked school systems. I commute to work in DC everyday. Not my favorite part of the day, but...
by rjsob58
Fri Apr 01, 2016 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buy/Pay for extra years [Spending in retirement]
Replies: 7
Views: 798

Re: Buy/Pay for extra years

Too much info? Summarize spreadsheet? Too many unknowns?
by rjsob58
Fri Apr 01, 2016 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Buy/Pay for extra years [Spending in retirement]
Replies: 7
Views: 798

Buy/Pay for extra years [Spending in retirement]

Primarily what I’m looking for from the bogleheads are risks I haven’t already identified and costs I might not have thought of, though general comments/opinions are also welcome. I turn 58 this weekend and I’m looking to retire at the end of this year. Firecalc and other simulators give me a 95%+ s...
by rjsob58
Thu Dec 17, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: What am I missing ? ... Smart Phones $100 vs. $600
Replies: 65
Views: 7297

Re: What am I missing ? ... Smart Phones $100 vs. $600

While I understand the all the arguments made, many (not all) of those arguments do not focus on individual needs. From a boglehead perspective, if I only use a smartphone for phone calls and say email, then I only need the $100 phone. I think it's the equivalent of asking if you can retire with $1M...
by rjsob58
Fri Nov 20, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Parents - your favorite and most challenging years
Replies: 71
Views: 8047

Re: Parents - your favorite and most challenging years

Ages 0 to 5 maybe 8, physically challenging/draining. Ages 13 on, psychologically and emotionally challenging/draining. So I guess I'd say from about 8 to 12 is the sweet spot, but still not easy. It can all be rewarding if you choose to view it that way.
by rjsob58
Mon Nov 16, 2015 8:22 am
Forum: Personal Consumer Issues
Topic: Windows 7- removing Windows 10-related "updates"
Replies: 9
Views: 1158

Re: Windows 7- removing Windows 10-related "updates"

I work in IT supporting about 100 users. Sorry to say that resistance is futile. There are a number of pia hacks to remove the current nagware, but they tend to be more trouble than they are worth and it doesn't prevent MS from adding more "updates" that push Windows 10.
by rjsob58
Thu Oct 08, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: Consumer items that are worth the initial investment?
Replies: 110
Views: 15178

Re: Consumer items that are worth the initial investment?

"Recent purchase: Basic bluetooth earbuds. $35. I totally underestimated the value of not having wires to tuck in when running, doing chores, gardening, etc." Has anyone found a solution for people who don't like sticking things in their ears? It is leaf raking season. Wallmart has many o...
by rjsob58
Thu Oct 08, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: buying foreclosure advice
Replies: 8
Views: 1115

Re: buying foreclosure advice

I did this about 5 years ago for my stepson to live in. I've only done this once, so it is all based on that one experience and I was offering all cash, no mortgage contingency. But here is what I learned: 1) The banks don't seem to be in any hurry to respond. But you can create some pressure. 2) Do...
by rjsob58
Thu Sep 17, 2015 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Fair share of expenses for spouses?
Replies: 100
Views: 10210

Re: Fair share of expenses for spouses?

"All's fair in love and war" is only half right, so there's only 2 opinions that matter in this debate, yours and hers.
by rjsob58
Thu Sep 10, 2015 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: How much do kids pay for their own activities...
Replies: 21
Views: 2498

Re: How much do kids pay for their own activities...

We pay for activities for our now 15 year olds. Video games and other purely "entertainment" things can be 1) from their savings, 2) on their xmas/birthday list, 3) cash saved from allowance/odd jobs or sometimes 3) barter (e.g. - wash my car). One other thing I've done is to match 50% of ...
by rjsob58
Tue Jul 28, 2015 10:02 am
Forum: Personal Finance (Not Investing)
Topic: refi with a 5/1 arm
Replies: 11
Views: 1136

Re: refi with a 5/1 arm

I think more of the discrepancy is you don't know what the OP's original loan amount was or how many months are remaining. You're calculating his current payment assuming his current balance is month 1 of a 30 year, which it probably isn't. OP, if they lend in your area, look at third federal. $295...
by rjsob58
Tue Jul 28, 2015 7:58 am
Forum: Personal Finance (Not Investing)
Topic: refi with a 5/1 arm
Replies: 11
Views: 1136

Re: refi with a 5/1 arm

It does look like it would be worthwhile to refinance IF you will also continue making the original payment. Here are some numbers to ponder:[list] A mortgage balance of $277,417 at 2.685% with a payment of $1374 has 318 months (26.5 years) remaining. The total cost would be $404,280 with $126,863 ...
by rjsob58
Mon Jul 27, 2015 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: refi with a 5/1 arm
Replies: 11
Views: 1136

Re: refi with a 5/1 arm

I have a 30yr fixed mortgage at 3.875% with a $273k balance in a HCOL area. ... I can refi the $273k balance with a 5/1ARM at 2.685% with no cost, which would reduce my payments by almost $250/mo. Something is not quite right with your numbers. How long do you still owe on your current mortgage? Wh...
by rjsob58
Mon Jul 27, 2015 11:41 am
Forum: Personal Finance (Not Investing)
Topic: refi with a 5/1 arm
Replies: 11
Views: 1136

refi with a 5/1 arm

I have a 30yr fixed mortgage at 3.875% with a $273k balance in a HCOL area. I only plan to be in the home another 3 years till my kids graduate HS and I'm eligible to retire (I'd be 60). We plan to sell the house at that point, use the equity and buy a home for cash in a LCOL area. The home is value...
by rjsob58
Thu Jul 09, 2015 2:53 pm
Forum: Personal Consumer Issues
Topic: Doggy Day Care services
Replies: 7
Views: 1076

Re: Doggy Day Care services

In our area the Fetch! franchise has a very bad rep. They use indep. contractors, not bona-fide employees, and that can become problematic. If you are going to be traveling, will you be staying in pet-friendly hotel? In the larger cities, the hotel will usually maintain a list of local dog walkers ...
by rjsob58
Thu Jul 09, 2015 1:40 pm
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 4678

Re: What antivirus software?

I've used ESET both personally and at my office (on PCs and servers) for many years. It is a solid product and very reasonably priced. Personally, I would not make a security decision based on price. And as some others have mentioned, I would use Malwarebytes in addition to AV as the best defense th...
by rjsob58
Thu Jul 09, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: Doggy Day Care services
Replies: 7
Views: 1076

Doggy Day Care services

Has anyone used the franchise-based doggy day care services like Fetch! or Rover? I know the actual experience is dependent on the sitter they set you up with, but if you've had any good or bad experiences using their services, I'd appreciate the feedback. We won't be using this local to us, but nee...
by rjsob58
Mon Jul 06, 2015 2:38 pm
Forum: Personal Consumer Issues
Topic: How to start a blog and claim the name?
Replies: 40
Views: 3742

Re: How to start a blog and claim the name?

4. Twitter handle - Should I register it using my primary email address or XXX@gmail.com? Definitely register it to the xxx@gmail address. It makes it much easier to keep it separate from personal email. I did this myself a few years ago and am glad I did. This probably goes without saying, but tra...
by rjsob58
Fri Jun 26, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: Questions about brick paver driveway
Replies: 12
Views: 2355

Re: Questions about brick paver driveway

If you live where it snows, brick is a royal pia when it comes to shoveling.
by rjsob58
Wed Jun 24, 2015 3:33 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iOS
Replies: 13
Views: 1961

Re: Moving from Android to iOS

I'm in IT and support both in my company. I had an Android for years, but in order to support iPhone users I got one on our last upgrade. After I used it for 2 months, I switched back. There were a number of reasons. ⋅ I couldn't get used to the lack of a back button ⋅ I had beco...
by rjsob58
Thu Jun 04, 2015 11:36 am
Forum: Personal Consumer Issues
Topic: Home Improvement Projects
Replies: 9
Views: 1788

Re: Home Improvement Projects

I shopped around for loans, including my B&M bank which was offering a HELOC with 1.99% for 1st 12 months on the 1st withdrawal. Also came with no fees. So I took that and paid it off within the year.
by rjsob58
Thu Apr 30, 2015 11:43 am
Forum: Personal Finance (Not Investing)
Topic: SEPP 72(t) aggregate or separate IRAs?
Replies: 8
Views: 1051

Re: SEPP 72(t) aggregate or separate IRAs?

Thanks livesoft. I did change the thread title. And mn finance did answer the question, but I was looking for more detail.
by rjsob58
Thu Apr 30, 2015 6:10 am
Forum: Personal Finance (Not Investing)
Topic: SEPP 72(t) aggregate or separate IRAs?
Replies: 8
Views: 1051

Re: Early withdrawls if still self employed

I'm not self employed now. I want to leave my current employer and be self employed. And I'd need to start withdrawals from my then-former employer's 401k to supplement my income for the next few years. After 3 years my sons graduate from high school,we sell our house in a HCOL area, use the proceed...
by rjsob58
Wed Apr 29, 2015 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: SEPP 72(t) aggregate or separate IRAs?
Replies: 8
Views: 1051

Re: Early withdrawls if still self employed

And that applies if I continue to earn income (self employed/1099)?
by rjsob58
Tue Apr 28, 2015 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: SEPP 72(t) aggregate or separate IRAs?
Replies: 8
Views: 1051

SEPP 72(t) aggregate or separate IRAs?

I am currently employed full-time and nearing the 57.5 mark where I could start withdrawals from my retirement funds if not employed. If I switch to strictly 1099 work, would I still be able to use the early withdrawal exception to make up the difference in income to meet my expenses? I'm not asking...
by rjsob58
Fri Mar 13, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: When cash flow/liquidity was no longer primary concern
Replies: 8
Views: 1273

Re: When cash flow/liquidity was no longer primary concern

I either look at it differently or don't understand the question. I don't stress or worry about cash flow or liquidity, but anything I can't afford to pay for today I either don't buy or determine how quickly I can pay it off and how that affects my budget. I probably stopped worrying about paying n...
by rjsob58
Fri Feb 06, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: If you like a job but the company has financial issues....
Replies: 18
Views: 2369

Re: If you like a job but the company has financial issues..

I'd say yes. Looking doesn't mean changing jobs. It never hurts to have options. How long will your emergency fund last if you are laid off or the company goes belly up? The layoffs that already happened - how much notice were those people given? I can only relate my own personal story from 30 some-...
by rjsob58
Thu Jan 29, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Bringing up 529s to the grandparents
Replies: 58
Views: 4274

Re: Bringing up 529s to the grandparents

Won't directly help, but take a look at UPromise. I have a UPromise MasterCard that gives my "cash back" into 529 at Vanguard. I don't actually use the card much any more cause I get better rewards on other cards. However, it does let you invite others to link their credit card purchases t...
by rjsob58
Thu Jan 29, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 2509

Re: Financial Considerations for Infertility Treatments

This was 14 years ago, actually longer but here are some other things to think about which only indirectly address your original questions. We started with individual treatments/cycles. After going through and paying for the first two one at a time, we went with a plan that offered 3 cycles and a 90...
by rjsob58
Fri Nov 21, 2014 1:21 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 29548

Re: What doyou splurge on?

Hockey tickets
Family vacation
by rjsob58
Fri Nov 14, 2014 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: 401K moving transfer allocation recommendations
Replies: 1
Views: 268

401K moving transfer allocation recommendations

Our company 401k is moving to Principal Financial Group so I will need to set which funds to move into. This represents 34% of my total retirement assets. The other 66% is at Vanguard (from previous IRAs) allocated as follows: VBTLX 21% ER: 0.08% VTIAX 7% ER: 0.14% VTSAX 37% ER: 0.05% The funds avai...
by rjsob58
Tue Oct 28, 2014 11:40 am
Forum: Personal Consumer Issues
Topic: Local Non Profit Association Officer Compensation
Replies: 1
Views: 384

Local Non Profit Association Officer Compensation

I've recently become a board member for a local non-profit association. It is a dart association mainly responsible for running a league and tournaments. I was a bit surprised both that the officers (director, treasurer, secretary, etc.) received monthly compensation and the amount. I guess I'm tryi...
by rjsob58
Fri Jul 25, 2014 10:31 am
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 18482

Re: List of Worst financial advice (what not to do):

"You can't take it with you when you die, so why not spend it?!!!!"
by rjsob58
Thu Jul 03, 2014 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 7276

Do you tell your kids how much you make?

This was prompted by the "do you lie about your finances to friends" thread. My kids are starting high school next year. I've had many discussions with them about saving and match what they save in their savings account at the end of the year. But when (it's not really an if) they ask you ...
by rjsob58
Wed Jun 04, 2014 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 11927

Re: Poll: Luxury and Happiness

About 2 years ago, I finally gave in and got an large screen (>35") HD TV and paid the premium for the HD cable package. I don't think I could ever go back and during hockey season, I couldn't be happier unless I get seats within 10 rows of the glass. Speaking of which, I splurg on hockey ticke...
by rjsob58
Mon Jun 02, 2014 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Upromise
Replies: 12
Views: 2710

Re: Upromise

I used it almost exclusively for many years and had the rebates tied directly to my kids 529 plans. But after being on this forum and looking at other credit card cash back programs, I determined I was getting more with a straight cash back card - Capitol One. For some planned purchases, I do still ...
by rjsob58
Wed May 21, 2014 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Picking an estate planning attorney
Replies: 4
Views: 700

Picking an estate planning attorney

I've probably been avoiding this far too long, but I want to start getting an "after-life" plan or strategy together. How do I go about finding a good estate planning attorney? What are some good questions to ask before hiring one to get a sense which one might be "better"? Or is...
by rjsob58
Fri Apr 11, 2014 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Question Owner Financing
Replies: 11
Views: 1212

Re: Question Owner Financing

I did the exact same thing for my step son & his family about 4 years ago. I refinanced my mortgage with cash out, shopped with them for a foreclosure and paid cash. Sold it to them the next day acting as the mortgagee. I did this all with a real estate lawyer. It was actually a contract for dee...
by rjsob58
Wed Mar 12, 2014 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite gadgets?
Replies: 28
Views: 2190

Re: Favorite gadgets?

1. Heated seated in car (laughed when the salesman touted these, but will never buy a car without them until I move south)
2. TV remote
4. Earphones (I have teenagers)
5. Apple corer/slicer
5. Water dispenser in the fridge
by rjsob58
Tue Mar 04, 2014 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Removing Escrow from Mortgage
Replies: 13
Views: 2219

Removing Escrow from Mortgage

Does it make sense and is it possible to remove the escrow portion of my mortgage - pay the taxes and insurance directly? It just seems like I'm loaning (interest free) the mortgage company the money to make those payments for me since they have to have a minimum amount in escrow. Or are there provi...
by rjsob58
Tue Feb 25, 2014 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 9227

Re: Do children become less expensive as they grow up?

I love the idea of offering to pay them to not get their license at 16. I am definitely going to give that a shot, cause the cost of insurance for 2 teenage male drivers is probably more than what I pay for my mortgage. I'm on the other side of the fence. If they get a license (I'm not buying them ...
by rjsob58
Tue Feb 25, 2014 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do children become less expensive as they grow up?
Replies: 93
Views: 9227

Re: Do children become less expensive as they grow up?

To set the stage, I have 13yr twins. At 3.5, you just have their needs to pay for. As they get older, not only do their needs increase (e.g. - more food, more clothes), but their WANTS grow exponentially. I can't say I've done this well, but providing them a good understanding of what their WANTS co...
by rjsob58
Fri Feb 21, 2014 1:44 pm
Forum: Personal Consumer Issues
Topic: People Search - paying for data?
Replies: 21
Views: 2077

Re: People Search - paying for data?

I've used Spokeo. I think the initial subscription was fairly inexpensive for a 3 month subscription. Found what I was looking for, then used it to see what it showed for me and some others. Cancelled the subscription with no problem before the auto-renewal kicked in.

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