Search found 251 matches

by joelly
Thu Jan 23, 2020 4:06 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 27518

Re: Sad news: LadyGeek's husband has passed

I am so sorry for your loss, Lady Geek. We will keep you and your family in our prayers.
by joelly
Mon Jan 20, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Our little girl is turning one soon!
Replies: 47
Views: 3512

Re: Our little girl is turning one soon!

DW bought Saving's Bonds (or equiv) every birthday of each child until they were 18. Then gave each of them the total on their 30th birthday. It added up to quite a sum. As far as a 1 year old "remembering" something forever at age 1. . . . hmmmmm. How about a brother or sister? :D :D j :happy Wher...
by joelly
Fri Jan 10, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Policy Increased by 26.8%!!
Replies: 27
Views: 2430

Re: Home Insurance Policy Increased by 26.8%!!

The same thing happened to me last year. The home insurance rate increase by 15%. I'm with AAA. That's why I want to shop around now.
by joelly
Thu Dec 26, 2019 1:46 pm
Forum: Investing - Theory, News & General
Topic: 25 - Moving out of home in 3 months. Just finished grad school - is this a bad idea? Also investment question
Replies: 10
Views: 862

Re: 25 - Moving out of home in 3 months. Just finished grad school - is this a bad idea? Also investment question

Since you just finished school it seems you haven't searched long for a new job. Can this hourly job in Nashville wait maybe like 2 months? In the meantime you can aggressively search for a job either in your field or something closer to it. I would not necessarily strict my search in two places yo...
by joelly
Tue Dec 24, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Need to move out of AAA Insurance
Replies: 14
Views: 1050

Need to move out of AAA Insurance

Hi Everyone, We have AAA for auto insurance, home insurance and earthquake insurance. We would like to change this. Can you recommend another good insurance company? Edited to state reasons: Normally AAA increases our premium every year by a little amount. However, In 2019, they increased our proper...
by joelly
Mon Dec 16, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Daycare vs Nanny.
Replies: 86
Views: 4764

Re: Need help. Daycare vs Nanny.

Hug401k wrote:
Mon Dec 16, 2019 2:07 pm
Put that daycare $ into a 529.
That is what I'm thinking also. I've known my new boss all my life but I have never worked for him in the past until now.
by joelly
Sun Dec 15, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Daycare vs Nanny.
Replies: 86
Views: 4764

Re: Need help. Daycare vs Nanny.

Thank you for all your responses. All of which has opened my eyes. Wide open. I’m sorry for making it sounds like I was going to decline the offer. On the contrary, I was readily accepting the offer at the mere mentioned of it but, unfortunately, hubby wasn’t as sure of it as I. This thread is meant...
by joelly
Thu Dec 12, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Daycare vs Nanny.
Replies: 86
Views: 4764

Need help. Daycare vs Nanny.

Hi Everyone, I have asked many questions in the past and I have learnt a lot from all of you. Now I need to impose on you again. My baby girl is 6 months old and she has been in daycare since she was 4 months old. Her daycare is near my workplace so she commutes with me. Commute is between 1-2 hrs o...
by joelly
Mon Dec 09, 2019 3:46 pm
Forum: Personal Investments
Topic: "The Wealthy Renter" by Alex Avery.
Replies: 191
Views: 21431

Re: "The Wealthy Renter" by Alex Avery.

I’m here awake because my baby girl decides she wants a snack at 3.50 am before falling back to sleep. Back to the rent vs own subject. I can see myself renting for life IF I were single or married with no kids. In fact I have friends who continue to rent because they’re single or married with no k...
by joelly
Mon Dec 09, 2019 1:55 pm
Forum: Personal Investments
Topic: "The Wealthy Renter" by Alex Avery.
Replies: 191
Views: 21431

Re: "The Wealthy Renter" by Alex Avery.

I’m here awake because my baby girl decides she wants a snack at 3.50 am before falling back to sleep. Back to the rent vs own subject. I can see myself renting for life IF I were single or married with no kids. In fact I have friends who continue to rent because they’re single or married with no k...
by joelly
Sun Dec 08, 2019 8:40 am
Forum: Personal Investments
Topic: "The Wealthy Renter" by Alex Avery.
Replies: 191
Views: 21431

Re: "The Wealthy Renter" by Alex Avery.

I’m here awake because my baby girl decides she wants a snack at 3.50 am before falling back to sleep. Back to the rent vs own subject. I can see myself renting for life IF I were single or married with no kids. In fact I have friends who continue to rent because they’re single or married with no ki...
by joelly
Wed Dec 04, 2019 12:57 am
Forum: Personal Investments
Topic: "The Wealthy Renter" by Alex Avery.
Replies: 191
Views: 21431

Re: "The Wealthy Renter" by Alex Avery.

I’m not convinced. Being a renter doesn’t make one wealthy, like being a homeowner doesn’t make one poor. But when you retire, do you want to retire and be homeless? Retirement = fixed income while rent will continue to raise every year, no? How would one keep up with rent in retirement? Please expl...
by joelly
Mon Nov 18, 2019 2:55 am
Forum: Personal Consumer Issues
Topic: morality, kids, tuition etc
Replies: 68
Views: 4550

Re: morality, kids, tuition etc

I won’t give her an option. Go to 4 year college. My brother-in-law gave his only daughter an option of taking a year off before college. During that time-off, she got pregnant and this week she is giving birth to a boy. She just turn 19 last week. The boy who got her pregnant doesn’t want anything ...
by joelly
Mon Oct 28, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2645

Re: Popeyes Chicken Sandwich [is it a good value]

I love Popeyes. Haven’t try the sandwich though. I usually just got the chicken, the spicy ones. They should bring back the wings. Yummy!
by joelly
Thu Oct 24, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Policy
Replies: 19
Views: 1758

Re: Life Insurance Policy

Thank you, everyone, for all your responses. I learned so much from all of you. We have been scheduled for med exams this week. Let's hope we get approved as we desired. Hubby desires to get insured from Pacific Life Insurance so he will get an examination as well. His previous life insurance (the o...
by joelly
Tue Oct 22, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Policy
Replies: 19
Views: 1758

Re: Life Insurance Policy

I'm overwhelmed by the amount of knowledge via your responses. I truly appreciate it. I went to the website recommended for comparing quotes. Pacific Life Insurance gave me a quote and advised me to do a medical examination. I haven't scheduled yet. Have you had any experience with Pacific Life Insu...
by joelly
Thu Oct 10, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Policy
Replies: 19
Views: 1758

Life Insurance Policy

Hi Everyone, I have a question regarding Life Insurance. 4 months ago I gave birth to my first child. She is such a delight. I'm 43 years old by the way. So I'm starting to think of her future. I have open the 529 plan with the state of CA via scholar share 529. I plan to contribute $6,000/year. For...
by joelly
Thu Oct 03, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: [When my children marry, should they sign a pre-nuptial agreement?]
Replies: 95
Views: 8726

Re: Daddy I'm engaged! Pre-nup?

One thing I might do is to suggest or inform my adult child getting married of the possible benefits of not intermingling all of his/her accounts/funds with his/her spouse after marriage. This is quite difficult but it can be done. I wish I have done the same. To OP, the best thing you can do is be...
by joelly
Wed May 15, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: I accidentally retired, and need tax advice
Replies: 48
Views: 6699

Re: I accidentally retired, and need tax advice

IngognitoUSA wrote:
Tue May 14, 2019 6:49 pm
triggertreat wrote:
Tue May 14, 2019 6:38 pm
Go back to work? What do you mean accidentally retired?
I have heard of getting accidentally pregnant but not accidentally retired.
:D Best laugh I have in months :sharebeer
by joelly
Wed May 15, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Do you reward yourself for achieving a financial goal?
Replies: 167
Views: 12176

Re: Do you reward yourself for achieving a financial goal?

A high school friend of mine just died this year on the day before Easter. He was 44. He was not just a friend, he was a lab partner, a deskmate, a confidante and an overall compadre. The cause is his heart, it just gave up at such a young age. He left behind a wife and a 10-year-old son. I learn no...
by joelly
Tue Apr 30, 2019 5:48 pm
Forum: Personal Investments
Topic: Where to open 529 savings plan?
Replies: 19
Views: 2094

Re: Where to open 529 savings plan?

Thanks Everyone. Appreciate all the lessons shared. I will start contributing to the CA ScholarShare 529 plan. How would I know if it ever going to be enough? Will it be enough if it has $200K in it by the time she is 18? I am thinking way too much ahead I know. But I just thought I throw it out th...
by joelly
Tue Apr 30, 2019 4:53 pm
Forum: Personal Investments
Topic: Where to open 529 savings plan?
Replies: 19
Views: 2094

Re: Where to open 529 savings plan?

Thanks Everyone. Appreciate all the lessons shared. I will start contributing to the CA ScholarShare 529 plan. How would I know if it ever going to be enough? Will it be enough if it has $200K in it by the time she is 18? I am thinking way too much ahead I know. But I just thought I throw it out the...
by joelly
Thu Apr 25, 2019 12:49 pm
Forum: Personal Investments
Topic: Where to open 529 savings plan?
Replies: 19
Views: 2094

Re: Where to open 529 savings plan?

I'm looking at the CA ScholarShare 529 plan. I plan to start contributing now before the baby is born. However, the application is asking the beneficiary information (i.e. Name, SSN, etc). Can I leave this blank for now since my baby girl is not even born yet? It's another 6 weeks to go and I can't ...
by joelly
Wed Apr 24, 2019 4:04 pm
Forum: Personal Investments
Topic: Where to open 529 savings plan?
Replies: 19
Views: 2094

Where to open 529 savings plan?

For 401K, my employer use Fidelity. Should I use Fidelity? Or should I use Vanguard or TRowe Price? Or some other company? Does it make any difference or not? I live in Los Angeles, CA. I'm currently pregnant and due in 6 weeks. I want to start saving for her 529 this year. Thank you in advance. -Jo...
by joelly
Wed Apr 17, 2019 4:14 pm
Forum: Personal Investments
Topic: Where to hold 2-3 years of living expenses
Replies: 28
Views: 6012

Re: Where to hold 2-3 years of living expenses

I'm curious. Won't you lose money in these funds mentioned-below? I'm new at these sorry... We don't hold a cash allocation at all. Our investments are all in Vanguard mutual funds, which can be turned into cash in a couple of days if needed. If I wanted 2-3 years of living expenses in cash or simil...
by joelly
Wed Apr 17, 2019 4:12 pm
Forum: Personal Investments
Topic: Where to hold 2-3 years of living expenses
Replies: 28
Views: 6012

Re: Where to hold 2-3 years of living expenses

I'm curious. Won't you lose money in these funds mentioned-below? We don't hold a cash allocation at all. Our investments are all in Vanguard mutual funds, which can be turned into cash in a couple of days if needed. If I wanted 2-3 years of living expenses in cash or similar I would use a combinati...
by joelly
Tue Mar 05, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4519
Views: 1265513

Re: What Book Are You Currently Reading? Part VI

Currently reading "The quiet side of passion" by Alexander Mccall Smith.
by joelly
Tue Nov 06, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 8190

Re: Never thought of living in Bay Area but just got a call from Tesla

corysold wrote:
Tue Nov 06, 2018 3:35 pm
I guess I'd wonder why they aren't able to higher someone from the immediate area for the job.
Everyone in the Bay area knows what's going on.
by joelly
Tue Nov 06, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 150641

Re: High Earners - What's Your Profession?

Senior finance executive public company. Also I would not consider a cutoff of $100K a high earner. I’d be thinking more along the lines of north of mid six figures. At that level you are well beyond making ends meet with the opportunity to save a considerable amount and doing something different (...
by joelly
Mon Oct 08, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2035
Views: 217318

Re: [What TV Show Have You Recently Watched?]

Ironfist on Netflix. Binging on that now.

Manifest (channel 4 I think) seems good. Saw the pilot and it has Stephen King and/or M. Night Shyamalan feels to it. Just my humble opinion.
by joelly
Mon Aug 20, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Online vs Classroom
Replies: 14
Views: 1145

Online vs Classroom

Hi Everyone, I want to take a class at a university extension. It is a real estate investment class. Thought it will add value to my controllership job. There are two options: online and classroom (extra cost for parking on campus). Other than the parking cost, it is the same price. For all practica...
by joelly
Mon Jun 18, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2035
Views: 217318

Re: [What TV Show Have You Recently Watched?]

Currently, we are binge watching Dexter.
by joelly
Tue Dec 05, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

Everyone, I am asking for a prayer. I am building a case (not to hurt anyone) but to clean up the books. The new trustee has express willingness to be my ally which I totally appreciate. So much is wrong, not only financially but also in management. i.e. bookkeeper went rogue on hiding transactions,...
by joelly
Tue Dec 05, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

She receives $82K/yr (not include overtime) and $48K/yr in allowances (paid medical, paid gas, paid auto and paid 2 kids private school). She is our bookkeeper. I haven't decide her salary increase yet. Either I missed something, or I’m in the wrong line of work, or both. But how in the world is a ...
by joelly
Tue Dec 05, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

If your non-profit is large enough to have a CFO, you, senior accountant and a bookkeeper, isn't it large enough to be required to have an outside financial review or an outside audit? Apparently it is not. Why? Because we are still on our way to be a non profit. So this would be the time to clean ...
by joelly
Tue Dec 05, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

So, the CFO has given fringe benefits to two members of staff, and in both cases, they've tried and failed to hide them from you. It seems very likely that the CFO has also given extra fringe benefits to himself, maybe an order of magnitude bigger in size, just you have yet to discover them. My gue...
by joelly
Mon Nov 27, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

Make sure these personal expenses for the employee involved are recognized and recorded as payroll/compensation for personal services and added to the employee's payroll record and W-2 reporting. You could probably also file an amended W-2 for prior years. The CFO won't agree to that. He is the sig...
by joelly
Mon Nov 27, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

I work in accounting as well and I would be tempted to have a talk with the CEO or board about this behavior. Does the CFO even have the right to give a car to the book keeper as a business expense (he can spend his personal money on whatever he wants). The fact that it was booked to a prepaid acco...
by joelly
Mon Nov 27, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

So most of you agree that I should change job. I'm working on it but at the same time, I'm working on fixing what I can. We have a 2nd trustee now and he seems to be on the up and up and definitely not a lackadaisical kind-of-guy. The way I see it, the lackadaisical 1st trustee is the responsibility...
by joelly
Mon Nov 27, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

$82k for a bookkeeper? Plus 48k in benefits?? That must be over double the average even for a HCOL area. This is baffling to me - where are you located and what type of NPO is this? I live in the HCOL Northeast and see Exec Director/CFO positions that pay $100k +/- for organizations with $10-20M in...
by joelly
Mon Nov 27, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

CaliJim wrote:
Thu Nov 16, 2017 9:02 pm
Keep good notes. Document everything and keep a duplicate copy somewhere safe.
I have a diary that I kept.
by joelly
Mon Nov 27, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

Livesoft nailed it . Is there anyway if your job is being done responsibly that you could miss this? If so I'd miss it until you could find another job. If you mention it and Livesoft is right, you're going to eventually lose your job anyway. Yes, even if I'm doing my job responsibly, I could miss ...
by joelly
Thu Nov 16, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

You need to look for another job. No good is going to come of this. That is an idea that I keep tossing around in my head. The reason of my reluctant to move is because I created the accounting system in this company and I hate to pass it on to others after all that hard work. Also, just hired a se...
by joelly
Thu Nov 16, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

I’m not mean by nature, only by thoughts. The housing for his assistant was also not on the up and up. The other trustee is also bothered and upset about it. When he confronted him, he said that that because he didnt give her an increase. So the other trustee checks with hr and sure enough the assis...
by joelly
Wed Nov 15, 2017 11:07 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

Is your company a profit or non-profit? Is it publicly traded or privately held? Does it have a compliance and/or audit group? Does it have an external auditor? What is the cfo's relationship to the board of directors/owners? Lots of things can impact chain of command and what is tolerable/unethica...
by joelly
Wed Nov 15, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

I'll throw this out there to make this thread actionable and interesting: Office affair. Actually, the cfo gives his admin asst a free rent. The 2bd 2ba apt was remodeled to the nines (spare no expenses). The fmv of the apt is $3,500 in the brentwood area in los angeles, ca. This is in addition to ...
by joelly
Wed Nov 15, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

It's not necessarily anything sinister. Some people don't respect chain of command. There are countries where this is part of the culture, and it's finding it's way to American culture too. I'm assuming you are American. I would talk to the CFO and explain that this bothered you, and why. Have a co...
by joelly
Wed Nov 15, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Re: Chain of command

I'm not as bothered by the car being given to her but why the attempt to hide the transactions. :oops:

What else she and he hides? Can't help being suspicious.
by joelly
Wed Nov 15, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Chain of command
Replies: 39
Views: 6299

Chain of command

Hi Everyone, I'd like to ask if any of you ever experience the following: The cfo/trustee gave your subordinate (bookkeeper) a car without letting you know. You are the controller. What would you do? The one that bothers me the most is the fact that the bookkeeper booked an entry to conceal the tran...
by joelly
Fri Jan 06, 2017 7:14 pm
Forum: Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 9863

Re: 500K milestone celebration

:sharebeer congrats! If you can save $12K/mo, you have a rather impressive paycheck.

I'm rather behind as I have a little over $200K and I'm already 40.