Search found 11 matches

by HighC
Fri Aug 31, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3869

Re: Nanny online payment services - why are they so expensive?

Try SavvyNanny. It is a front end for Intuit at discount prices. Should cost about $400/yr. Well worth it.
by HighC
Sat Apr 01, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Disability insurance: Guardian vs Standard
Replies: 0
Views: 739

Disability insurance: Guardian vs Standard

Hi Everybody: I'm looking at true own occupation, non-cancellable, guaranteed renewable individual disability policies from Guardian And Standard. Both policies provide about $5000 a month in benefits. The Standard policy is the Protector Platinum, class 5A. It provides coverage until 67, offers a p...
by HighC
Mon Feb 20, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: CFA or other qualified hourly professional recommendation
Replies: 4
Views: 742

Re: CFA or other qualified hourly professional recommendation

Here is the issue: we own a home in the East Bay (SF Bay Area). Home is worth about 1.1 million with about 50% equity. My job is now taking me to Palo Alto and I have no interest in doing a 4 hour round-trip commute every day. We are moving there. I have a few options: 1. I am not sure if I should k...
by HighC
Mon Feb 20, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: CFA or other qualified hourly professional recommendation
Replies: 4
Views: 742

CFA or other qualified hourly professional recommendation

Hi valuable Boglehead network! I live in the San Francisco Bay Area and have a complicated transaction regarding real estate that I'm considering. I am wondering if anyone can recommend a skilled and qualified CFA or equivalent (who works by the hour) to help me think through the situation. Thanks s...
by HighC
Sun Dec 11, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Med School/Grad School Financial Aid
Replies: 10
Views: 1849

Re: Med School/Grad School Financial Aid

Thank you for all of the responses. This is a great website and community. We have some friends that went the military service route to pay for medical school. Nearly all of them regret the decision. I think for the right personality type it is a good choice but it is not for me. Furthermore, under ...
by HighC
Fri Dec 09, 2016 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Med School/Grad School Financial Aid
Replies: 10
Views: 1849

Med School/Grad School Financial Aid

Hi Bogleheads, I am an older, non-traditional soon-to-be medical student. I am married and have a child. I am in the process of filling out the FAFSA and am wondering if anyone has any advice that may help me maximize my chance at scholarships rather than loans. Even though I am considered to be an ...
by HighC
Fri Jun 03, 2016 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: International Trusts: Parents in USA/Kids in Europe
Replies: 2
Views: 482

International Trusts: Parents in USA/Kids in Europe

Dear Bogleheads, I am hoping someone has experience in this somewhat esoteric matter. My good friend, a US citizen living in the USA, has several million dollars in assets in a U.S. trust. One of his kids and his two grandchildren live in (and are citizens of) a Scandinavian Country. His other kid l...
by HighC
Wed Apr 13, 2016 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: CIP Lockout at Vanguard
Replies: 9
Views: 1824

Re: CIP Lockout at Vanguard

Thank you all for your responses. In regards to solo 401(k)s: There are two components: employee and employer contributions. Employee contributions can be regular or Roth depending on the details of the plan and I believe they need to be made by 12/31 of the tax year. Employer contributions are tax ...
by HighC
Wed Apr 13, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: CIP Lockout at Vanguard
Replies: 9
Views: 1824

CIP Lockout at Vanguard

Last week, when trying to make 2015 employer contributions to our 401(k) at Vanguard, it came to my attention that one of the partners in the company has a CIP lockout on his account. This precludes us from funding his account which is bad because the contribution deadline is only a few days away. W...
by HighC
Sat Jan 23, 2016 12:51 am
Forum: Personal Consumer Issues
Topic: Geothermal Heat Pumps
Replies: 18
Views: 2952

Re: Geothermal Heat Pumps

Hi All, I have been working in the geothermal heat pump industry for about 10 years for a company as an engineer and software developer who develops tools for designing these systems. Here is my take: 1) If a geothermal system is well-designed and properly installed, it will perform more efficiently...
by HighC
Thu Jan 21, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need disability insurance
Replies: 59
Views: 9962

Re: Do we need disability insurance

Disability insurance is one of the three insurance pillars essential for financial protection (the other two are Health Insurance and Life Insurance). To earn the money that you are earning and not have it requires a high tolerance for risk. A few things to consider: 1) You might get divorced/one of...