Search found 419 matches

by Isabelle77
Thu May 23, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17467

Re: Very High Net Worth, elite private or “good” public

Of the ~15 people I've known who went to private school (met most of them when I was in college, some via sports/clubs/gov school while in high school), all but two of them have made some seriously terrible life choices with drugs and alcohol, gambling, debt, illegal street racing, and various othe...
by Isabelle77
Thu May 23, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17467

Re: Very High Net Worth, elite private or “good” public

There's got to be a middle ground. I would go to "very good" public school over any private school, 10 times out of 10. I do not want my kids to think they have a silver spoon in their mouths. That is my one hesitation with all private schools. You are setting them up to have a very expensive lifes...
by Isabelle77
Thu May 23, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17467

Re: Very High Net Worth, elite private or “good” public

Of the ~15 people I've known who went to private school (met most of them when I was in college, some via sports/clubs/gov school while in high school), all but two of them have made some seriously terrible life choices with drugs and alcohol, gambling, debt, illegal street racing, and various othe...
by Isabelle77
Wed May 22, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Inexpensive way to gain weight
Replies: 54
Views: 2222

Re: Inexpensive way to gain weight

They're going to lock this :) I had an underweight child (not on the BMI chart) and here is what we did to get her back on track. You're eating too much junk and that perfect blood work is going to not be perfect anymore if you don't stop. Avocados and nuts (1 whole avocado every day) Clif Bars (lot...
by Isabelle77
Mon May 20, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 17467

Re: Very High Net Worth, elite private or “good” public

OP, you have the luxury of deciding which school is a better fit for your children. I think it is absolutely impossible to judge "public school" vs "private school" without taking into account the actual child attending the school and then (of course) the school itself. You are in the enviable posit...
by Isabelle77
Tue May 14, 2019 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Finance and it’s lenders (Consumer Direct)
Replies: 17
Views: 2380

Re: Costco Finance and it’s lenders (Consumer Direct)

Just refinanced through the JG Wentworth through the costco website. Paid only $275 in loan costs with the most competitive rates. The other closing costs were the normal title insurance, credit reports and prepaid escrow. The title company sent a notary to my house to complete the paperwork, and h...
by Isabelle77
Tue May 14, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Costco Finance and it’s lenders (Consumer Direct)
Replies: 17
Views: 2380

Re: Costco Finance and it’s lenders (Consumer Direct)

Just refinanced through the JG Wentworth through the costco website. Paid only $275 in loan costs with the most competitive rates. The other closing costs were the normal title insurance, credit reports and prepaid escrow. The title company sent a notary to my house to complete the paperwork, and h...
by Isabelle77
Mon May 13, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 4685

Re: Careers in art

My husband was a fine arts major, first art and then switched to music. He started working as an intern at record labels, went into television commercial production, creative director, and then marketing. He makes a great living. Advertising, creative direction, graphic design, they can all be lucra...
by Isabelle77
Fri May 10, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 59
Views: 3168

Re: Undergrad major in Economics or Finance?

Blackhawk wrote:
Fri May 10, 2019 12:55 pm

In all honesty, I think people overestimate how much their school and/or major matter. I'd take classes in both and major in whichever is most interesting/challenging.
Agreed. My husband's done quite well in business with his fine arts degree.
by Isabelle77
Fri May 10, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Front loading washing machine "oversuds"
Replies: 12
Views: 808

Re: Front loading washing machine "oversuds"

We had the problem as well, cut your detergent amount.
by Isabelle77
Fri May 10, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 59
Views: 3168

Re: Undergrad major in Economics or Finance?

If he plans to actually go into finance, some additional accounting would be helpful also. It isn't as fun or enjoyable as finance and Econ, as it is more rule based and less theory, but in corporate America most finance jobs require a solid understanding of accounting. Also it is unlikely you will...
by Isabelle77
Wed May 08, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: 2 Days in Nashville - What to see
Replies: 20
Views: 2307

Re: 2 Days in Nashville - What to see

How about with two 3.5 year old boys? For music, appreciate suggestions of Station Inn & Roberts -- any other recommended alt-country/folk-indie music spots? (not with the kids) Thanks in advance Let them run around The Parthenon, it's kind of ridiculous but fun to visit with kids and a nice park a...
by Isabelle77
Wed May 08, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Undergrad major in Economics or Finance?
Replies: 59
Views: 3168

Re: Undergrad major in Economics or Finance?

I have a BS in Finance and it really didn't seem to matter in my case. I was offered a good job at an investment bank right out of school and so were my friends who were Econ majors, I never went on to get an MBA because I switched fields, but many of the people I graduated (with either major) did. ...
by Isabelle77
Tue May 07, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: Island life?
Replies: 54
Views: 6832

Re: Island life?

Perhaps not the same thing but my parents live on an island near Charleston, SC. It's lovely, except for the hurricanes.
by Isabelle77
Tue May 07, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2009

Re: Backpacking/study abroad for young folks

I did a summer program in Nice, France. Time of my life and I would highly recommend it. I didn't have any real interest but my parents pushed it and I'm glad. Was completely safe, stayed in at least pairs while traveling and had a fabulous time. I did a French immersion program and stayed with a lo...
by Isabelle77
Sat May 04, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: College/life prep for young kids
Replies: 79
Views: 5992

Re: College/life prep for young kids

Just a follow-up on my post. Be careful the amount of pressure you put on your kids, it's ok to be worried, it's ok to have high expectations, but be careful that they have time to be kids. Do some reading about the increases in mental illness, and suicide among young people, especially the unbeliev...
by Isabelle77
Sat May 04, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: College/life prep for young kids
Replies: 79
Views: 5992

Re: College/life prep for young kids

Be involved but not over-involved. The biggest difference I see between the kids who are excelling at college and their careers isn't whether or not they liked homework or even how good their grades were, it is whether or not they can operate independently as adults. Don't hover, give your kids inde...
by Isabelle77
Thu May 02, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: Anyone ever used a water damage restoration company to help file insurance claim?
Replies: 22
Views: 1058

Re: Anyone ever used a water damage restoration company to help file insurance claim?

So since I'm in the middle of this too, hopefully I can help. Feel free to PM me if you have more questions. We had a pipe leak under our laundry room since, likely for months, until finally we noticed the floor warping. I called the water damage company that our plumber recommended, they emailed me...
by Isabelle77
Thu May 02, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Kids fishing gear
Replies: 23
Views: 1073

Re: Kids fishing gear

Any cheap rod will likely do at her age. I never really understood fishing but my son got into it through scouts and at 12 is a pretty serious fly fisherman, he even spends hours making his own flys. He's a hyper kid but can spend hours on a river fishing or out on a boat. Some people I guess just f...
by Isabelle77
Tue Apr 30, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2014

Re: Car insurance shopping - worth leaving USAA?

I am in the shop your policies every couple of years camp (so I would likely leave). I also have a close friend who is a PI attorney, and he says they always fight the hardest for their clients, with state farm being the worst. Well to be fair, some would argue that they (USAA and other insurers) a...
by Isabelle77
Tue Apr 30, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2014

Re: Car insurance shopping - worth leaving USAA?

I've been with USAA my entire adult life so I don't really know what other companies are like. BUT. About 10 days ago we discovered that our laundry room sink had likely been leaking for 6+ months and it's a disaster. I emailed the estimate and some photos to USAA via their online portal and they ap...
by Isabelle77
Tue Apr 30, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8272

Re: What are the cons of always being a one parent working household?

This entire thread is a good example of the breakdown in civility that the internet enables. Imagine looking your SAHM friend in the eye and telling her that you think she sets a poor example for her daughters, or that your working mom neighbor isn't really raising her own children. My best friend i...
by Isabelle77
Fri Apr 26, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: HCOL Housing Sanity Check
Replies: 15
Views: 1347

Re: HCOL Housing Sanity Check

Thanks everyone, Watty, I think I understand what you're saying. I feel like we're pretty moderate spenders honestly and we've always stuffed our retirement accounts. We can still max them I believe with this housing payment too, although I agree it is more daunting. I'm a little more concerned abou...
by Isabelle77
Thu Apr 25, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: HCOL Housing Sanity Check
Replies: 15
Views: 1347

Re: HCOL Housing Sanity Check

married, 42yrs old, 2 kids 12 & 15 A couple of things to consider; 1) If you get a 30 year mortage you will be 72 when you finally pay it off. That will make retiring a lot harder. You might want to look at a shorter mortage so that the house will be paid off by the time you want to retire. 2) You ...
by Isabelle77
Thu Apr 25, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: HCOL Housing Sanity Check
Replies: 15
Views: 1347

Re: HCOL Housing Sanity Check

Not enough information. What are annual expenses? What will the mortgage, property taxes and insurance be? What are your housing expenses now? Thanks Michael, The mortgage should be around 720K, property taxes around 12K. Housing expenses now are around $3K a month, so a significant bump, but we ar...
by Isabelle77
Thu Apr 25, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: HCOL Housing Sanity Check
Replies: 15
Views: 1347

Re: HCOL Housing Sanity Check

325k w2 income? 900k house seems fine based on that alone. Why are you wasting your time on part time jobs with that level of income from your day job? (Assuming you both work full time already, can’t tell from your post) Thanks jharkin, I don't currently work, I've been at home with our kids for s...
by Isabelle77
Thu Apr 25, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: HCOL Housing Sanity Check
Replies: 15
Views: 1347

HCOL Housing Sanity Check

Ok guys, I've posted before about our move to the Boston area. Want to check in on our home purchase. It's more than might be ideal but we've found a town we love and it's pricey. We would like to buy a home in the 900K range. Stats: married, 42yrs old, 2 kids 12 & 15 250K base salary 75K bonus (has...
by Isabelle77
Tue Apr 16, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 2358

Re: Trip to Central Asia. Do you need a CC?

Trusting an 18 year-old on a trip like this would give me pause. There's a part of a young person's brain that doesn't fully develop until about age 25: the area of "sober second thought." It's the "wait a minute, lets think this through" process when a person is about to do something foolish. Not ...
by Isabelle77
Tue Apr 16, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 2358

Re: Trip to Central Asia. Do you need a CC?

Trusting an 18 year-old on a trip like this would give me pause. There's a part of a young person's brain that doesn't fully develop until about age 25: the area of "sober second thought." It's the "wait a minute, lets think this through" process when a person is about to do something foolish. Not ...
by Isabelle77
Tue Apr 16, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 2358

Re: Trip to Central Asia. Do you need a CC?

Trusting an 18 year-old on a trip like this would give me pause. There's a part of a young person's brain that doesn't fully develop until about age 25: the area of "sober second thought." It's the "wait a minute, lets think this through" process when a person is about to do something foolish. Not ...
by Isabelle77
Tue Apr 16, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9988

Re: seriously thinking about leaving S. CA but where to?

Here's what I would do :)

Condo in Scottsdale October-April

Home in PNW May-September - Olympic Peninsula would be my choice, but somewhere near Bend if you like a little warmer. You do risk fire season the farther east you go though.

Best of luck OP!
by Isabelle77
Mon Apr 15, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4582

Re: Boston area - nice towns for families

Wow! Thanks everyone. I appreciate your posts, your private messages, you've all been really great. So my husband informs me that the office address is actually north Needham not Newton Highlands (that's what it looked like to me on the map!) but I guess it isn't much of a difference. He's headed ou...
by Isabelle77
Sun Apr 14, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 77
Views: 4158

Re: Women, How Much Do You Pay for Haircut

This is one of those topics that really depend on the person. I pay a fortune for a cut and color every 7wks, about $140 with tip. It's a luxury but I'd be willing to sacrifice all kinds of other luxuries (my car, eating out) before I give up my stylist. I have really thick, not quite curly but not ...
by Isabelle77
Sun Apr 14, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed thinking through issues re: child’s disability
Replies: 22
Views: 1894

Re: Help needed thinking through issues re: child’s disability

Yes, you need to formalize the will and custody agreement with your sibling, I'm surprised you were allowed to finalize the adoption without it. We also adopted our children and while I can't speak to the special needs arrangements, I will tell you that our attorney included language in our wills th...
by Isabelle77
Sat Apr 13, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Anyone have a child model?
Replies: 42
Views: 4559

Re: Anyone have a child model?

So my husband worked on kids' commercials for years. He wouldn't let our children near the business if that tells you anything :)

There's a misconception that modeling pays a lot of money, it pays nearly nothing.
by Isabelle77
Sat Apr 13, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 6148

Re: Soon to be dad, how to prepare

Don't farm/outsource the kid out to daycare. Don't let people tell you how to raise your kids. Most of them are just trying to be helpful but it can feel like a personal attack, especially when you're tired and questioning yourself anyway. It's ok to respond with a smile, nod, and maybe a "thank yo...
by Isabelle77
Sat Apr 13, 2019 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4014

Re: Relocating to Seattle from Baltimore Area

Here's an obligatory link: https://www.youtube.com/watch?time_continue=1&v=bpAi70WWBlw Wow, that's quite the documentary. Not the Seattle I remember from 20 years ago. When living in Houston, I told my wife I could retire here if I had enough money to make the problems go away. burt That is a known...
by Isabelle77
Sat Apr 13, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4014

Re: Relocating to Seattle from Baltimore Area

Can confirm the homeless issue is horrible. The people who don’t see it I’m not sure where you are living or hanging out. There are homeless passed out in every public restroom in Pike’s Market, packs of stoned aggressive homeless that accost you for money (never for food though). If you want to ha...
by Isabelle77
Sat Apr 13, 2019 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4014

Re: Relocating to Seattle from Baltimore Area

re: Oblivious drivers toodling along in the Left lane on WA highways: I had to laugh when I read this point (made by a poster above) bc it's really true in my experience. I live in the SF Bay Area and do road trips to Seattle to see various immediate & extended family pretty regularly -- just retur...
by Isabelle77
Sat Apr 13, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4014

Re: Relocating to Seattle from Baltimore Area

re: Oblivious drivers toodling along in the Left lane on WA highways: I had to laugh when I read this point (made by a poster above) bc it's really true in my experience. I live in the SF Bay Area and do road trips to Seattle to see various immediate & extended family pretty regularly -- just retur...
by Isabelle77
Sat Apr 13, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4292

Re: How to avoid throwing money at problems?

You can't have it all, it's impossible. Think about if you might be happier in a smaller house, with a lower income and more hours in the day to spend with your spouse and baby. If that's not right for you then you need to start "throwing money" at these problems or everything in your life is going ...
by Isabelle77
Sat Apr 13, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4582

Re: Boston area - nice towns for families

Thanks again everyone, I appreciate the help. I think we have a good place to start. My husband will likely be in temporary housing for a few months so hopefully that will give us some time to make a clearer decision.
by Isabelle77
Fri Apr 12, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 6148

Re: Soon to be dad, how to prepare

It all depends on the personality of kid that comes out. Some sleep through the night soon, some are plagued by reoccurring ear infections and are nothing but cranky all the time. Absolutely agree. After having 2 totally different kids I have realized at a certain point (you provide food, shelter, ...
by Isabelle77
Fri Apr 12, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 6148

Re: Soon to be dad, how to prepare

Trust yourself and your wife. Don't get caught up in the crazy and stay off of parenting boards. Forgive yourself and your wife for mistakes you're going to make. Love your baby's mom. Believe in babysitters. Do not worry about brands of baby stuff, child-rearing techniques, breastfeeding durations,...
by Isabelle77
Thu Apr 11, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4582

Re: Boston area - nice towns for families

You guys are great, thanks! I have some research to do but it looks like we'll have a good list to start with. My husband is out there for a few days next week and then (assuming the offer is good) I'll come out after we have a contract on our house here. He'll be in temporary housing until school i...
by Isabelle77
Thu Apr 11, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4582

Re: Boston area - nice towns for families

I live in Needham. Very good schools and good place to live. While the high school is a competitive school (as is everything around here), the principal actively tries to tamp down the pressure and stress. South Natick is great. Natick high school is also very good. Natick Center is cute (has impro...
by Isabelle77
Thu Apr 11, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4582

Re: Boston area - nice towns for families

simplesimon wrote:
Thu Apr 11, 2019 4:11 pm
How long of a commute are you looking for? All driving?

$800k is definitely doable going west.
Up to around 45 min at rush hour. Driving is fine, while we'd love to be near mass transit, it seems like that adds quite a bit to the housing prices and it isn't a necessity in this case.
by Isabelle77
Thu Apr 11, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4582

Re: Boston area - nice towns for families

Hi Isabelle - I'm a product of the Natick school system and I've done OK. :happy Natick schools are/were good and would look even better if not next to Newton et al. pressure cookers. Natick is big on both sports and academics, and there is a brand new high school. The town seems to maintain a bala...
by Isabelle77
Thu Apr 11, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4582

Re: Boston area - nice towns for families

veggivet wrote:
Thu Apr 11, 2019 3:49 pm
Have you considered Sherborn?
Sherborn looks very pretty, thanks for the suggestion!
by Isabelle77
Thu Apr 11, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Boston area - nice towns for families
Replies: 79
Views: 4582

Re: Boston area - nice towns for families

It looks as if my husband may have an offer coming in a week or so from a company in Newton, MA. It's a great move for him, and frankly necessary, as he is likely to be laid off in the coming months from his current position. While I have family in Winchester and Needham, we can't really afford to ...