Search found 143 matches

by crazygrow
Tue Oct 22, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Wifi in 3000 sq ft house and garage
Replies: 41
Views: 3178

Re: Wifi in 3000 sq ft house and garage

We have this one in a 4600 sq. ft house spread over three stories. It sits in the basement storage room. We get strong signal everywhere: https://www.bestbuy.com/site/netgear-nighthawk-ac1900-dual-band-wi-fi-5-router-black/1754208.p?skuId=1754208&ref=212&loc=1&extStoreId=497&ref=212&loc=1&ds_rl=1266...
by crazygrow
Tue Sep 03, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: What's your "philosophy" on youth sports?
Replies: 47
Views: 2733

Re: What's your "philosophy" on youth sports?

We require all of our kids to have at least one physical activities as we believe it is good for many reasons (teamwork, learning to take instruction, challenging themselves, etc.). We have 1 in soccer, 2 in dance and 3 in swim. They can choose their sport but we require them to stick it out at leas...
by crazygrow
Tue Aug 20, 2019 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance question
Replies: 9
Views: 510

Re: Refinance question

I wouldn't include the upfront principal payment in the savings calculations (me personally). It is more like a savings account at that point, rather than a sunk cost.
by crazygrow
Mon Aug 19, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Biz Owners: Your Health Insurance Contributions?
Replies: 8
Views: 421

Re: Biz Owners: Your Health Insurance Contributions?

We are definitely on the high end. We pay 100% of premiums for a solid HSA plan and put in enough money in their accounts to cover the high deductible.
by crazygrow
Sat Aug 17, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8878

Re: Taking a break in your 50s: Is it the kiss of death?

I’m 40 with six kids and we are doing a family gap year next year. I’m leaving my job and my wife will continue to run her business which should support us ok. Lots of risk to it as I’m a tech executive but the time with my kids at their current age is more important. I also cut back to 40 hours a ...
by crazygrow
Fri Aug 16, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8878

Re: Taking a break in your 50s: Is it the kiss of death?

I’m 40 with six kids and we are doing a family gap year next year. I’m leaving my job and my wife will continue to run her business which should support us ok. Lots of risk to it as I’m a tech executive but the time with my kids at their current age is more important. I also cut back to 40 hours a w...
by crazygrow
Sun Aug 11, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8662

Re: No pay increase but increase in responsibility

The 3-4 years I worked 70-90 hours, traveled heavily, etc. gave me such a foundation in my career (experience, knowledge, contacts) that I easily surpassed the rest of my peers and set up the next 20-30 years of work (depending on when I choose to retire). No one should let themselves be taken adva...
by crazygrow
Sun Aug 11, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8662

Re: No pay increase but increase in responsibility

This isn’t the additional information we need. Does OP think his manager is trying to screw him? How does the company reward its employees? What is its compensation culture? Etc. etc. crazygrow, 1) OP's annual pay is about 150K per year. 2) The annual bonus is minimal. 3) OP is paid his normal pay ...
by crazygrow
Sun Aug 11, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8662

Re: No pay increase but increase in responsibility

Obviously not possible but I’d love to know the average income from the group who says don’t do it and those that say take it on and earn the money. I know that I was one who took on the work, excelled and ended up making a lot of money and able to cut back on hours in my 30s. Yes some sacrifice be...
by crazygrow
Sun Aug 11, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8662

Re: No pay increase but increase in responsibility

Obviously not possible but I’d love to know the average income from the group who says don’t do it and those that say take it on and earn the money. I know that I was one who took on the work, excelled and ended up making a lot of money and able to cut back on hours in my 30s. Yes some sacrifice be...
by crazygrow
Sun Aug 11, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8662

Re: No pay increase but increase in responsibility

Obviously not possible but I’d love to know the average income from the group who says don’t do it and those that say take it on and earn the money. I know that I was one who took on the work, excelled and ended up making a lot of money and able to cut back on hours in my 30s. Yes some sacrifice be...
by crazygrow
Sat Aug 10, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8662

Re: No pay increase but increase in responsibility

Obviously not possible but I’d love to know the average income from the group who says don’t do it and those that say take it on and earn the money. I know that I was one who took on the work, excelled and ended up making a lot of money and able to cut back on hours in my 30s. Yes some sacrifice bef...
by crazygrow
Sat Aug 10, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Have you started a blog?
Replies: 32
Views: 2925

Re: Have you started a blog?

Don't get into it if you are just looking for easy money. It isn't there. If you have unique talents or information, there is definitely money to be made. It also can die almost overnight. My cousin was a successful "mommy-blogger", started just when the blogging craze hit and was making serious mo...
by crazygrow
Fri Aug 09, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 9914

Re: Critique my exercise routine because it's not working for me

Similar to the poster above, weight loss is 90% diet IMO. Track everything you eat for a week in something like MyFitnessPal - track it exactly. Most people think they are eating XXXX calories and realize they are hundreds/thousands above that when they actually weigh/track their food. You can't out...
by crazygrow
Fri Aug 09, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Have you started a blog?
Replies: 32
Views: 2925

Re: Have you started a blog?

Don't get into it if you are just looking for easy money. It isn't there. If you have unique talents or information, there is definitely money to be made. It also can die almost overnight. My cousin was a successful "mommy-blogger", started just when the blogging craze hit and was making serious mo...
by crazygrow
Thu Aug 08, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Have you started a blog?
Replies: 32
Views: 2925

Re: Have you started a blog?

My wife and I started "her" blog about 2.5 years ago. She does all the content, I do all the tech work, finances, etc. If you don't think you can make money blogging, you are doing it wrong. If you expect to make millions in ads, you are dreaming - that ship has sailed unless you were an early socia...
by crazygrow
Wed Aug 07, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Korea early Dec
Replies: 7
Views: 778

Re: Korea early Dec

Definitely take a coat! My wife and I were headed to Thailand and had a 24 hour layover in Seoul in January a few years ago. We were headed to hot Thailand and didn't even think about bringing warm clothes for the layover. Thankfully, her brother hadn't left yet for the wedding in Thailand and broug...
by crazygrow
Wed Jul 31, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3530

Re: Personal Trainer for Physical Balance

Strength training and yoga! Strength training to help keep/increase muscle mass and yoga to gain more flexibility and balance with those new muscles. This has made a huge difference to me (although I'm "only" 40).
by crazygrow
Tue Jul 30, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6823

Re: What's your Uber passenger rating?

I considered it, but it was very kind of him to take the job - they dropped me off around midnight and then had a 3 hour drive back to Los Angeles. I was grateful as I was one day late to a weekend vacation with my wife (I flew in from a work trip in Paris). My wife and I may have joked about it all...
by crazygrow
Tue Jul 30, 2019 4:42 pm
Forum: Personal Consumer Issues
Topic: Costa Rica travel
Replies: 20
Views: 2209

Re: Costa Rica travel

Wow - sorry to hear about your boat tour issue. While not on a boat, we had some a friend's son break his leg in Arenal and according to them the medical care was quick and "just as good" as the US. Our son also took a dive coming out of a pool and open up right under his chin about an inch wide. Th...
by crazygrow
Tue Jul 30, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6823

Re: What's your Uber passenger rating?

I had an Uber driver drive me from LAX to Palm Springs (about 130 miles but like 3 hours due to traffic, etc.). It was late at night and he asked if he could bring his girlfriend along to keep him awake. I agreed and also told him I'd give him a good cash bonus at the end of the drive. He and his gi...
by crazygrow
Sat Jul 27, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Caught in Between Insurance and Airlift Company
Replies: 21
Views: 1819

Re: Caught in Between Insurance and Airlift Company

Out of curiosity, what type of flight was required that is costing 500k? Private plane from Far off location to the US with full medical staff?
by crazygrow
Sat Jul 20, 2019 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Corporate Acquisition - Key Person
Replies: 21
Views: 2260

Re: Corporate Acquisition - Key Person

Just by you asking these questions, it is unlikely you are high enough to have any negotiating power. They would have already asked the higher ups in your company who was key talent and gotten their opinions on what it will take to preserve it.
by crazygrow
Wed Jun 26, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Empire Plan while traveling abroad
Replies: 5
Views: 716

Re: Empire Plan while traveling abroad

We have the Empire Plan, but cannot answer your question exactly. About 10 years ago, I had a health issue that caused me to go to a hospital in Rome, Italy by ambulance. I spent the night in the emergency room, had numerous tests (EKG, etc.), and left the next morning feeling fairly normal, but I ...
by crazygrow
Wed Jun 26, 2019 12:07 pm
Forum: Personal Investments
Topic: Low Income Year - How to Make Appropriate Savings/Investment Changes
Replies: 8
Views: 776

Re: Low Income Year - How to Make Appropriate Savings/Investment Changes

Also, at the lower income level you qualify to contribute to Roth IRAs without going through the backdoor, so do that. If you don’t yet have Roth IRAs, this also has the advantage of starting the five-year clock. Thanks. I actually had never heard of the five year clock...I started doing back door ...
by crazygrow
Wed Jun 26, 2019 12:06 pm
Forum: Personal Investments
Topic: Low Income Year - How to Make Appropriate Savings/Investment Changes
Replies: 8
Views: 776

Re: Low Income Year - How to Make Appropriate Savings/Investment Changes

If you have a traditional IRA or an old 401k balance, or if your current plan offers in-plan Roth conversions, it would be a good idea to do some conversions. Convert enough to go at least to the top of the 12% bracket (roughly $100k of income for MFJ, accounting for standard deduction). And make s...
by crazygrow
Wed Jun 26, 2019 10:55 am
Forum: Personal Investments
Topic: Low Income Year - How to Make Appropriate Savings/Investment Changes
Replies: 8
Views: 776

Low Income Year - How to Make Appropriate Savings/Investment Changes

Hi everyone, At the beginning of this year, I joined a small company (an LLC) as CEO and own about 20% of the business. The business has been around a while and is currently losing money, which my portion will pass through to me. My wife also is self-employed and her business is in a growth stage wh...
by crazygrow
Mon Jun 17, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 10128

Re: Article on high deductible health plans - and the math

When my employer started offering an HDHP, I made some spreadsheets. I could not find a case where the HDHP was not the best choice. Light medical user, low premiums wins. Heavy medical user, low premiums combined with $5k max out of pocket wins. The HSA and employer contribution were icing on the ...
by crazygrow
Thu Jun 13, 2019 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 5931

Re: How much is your guys’ fees for your 401k?

How does one find this out? I know what it is in my new company (small company), but how do I find out in my old company (megacorp)?
by crazygrow
Wed Jun 12, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 72
Views: 4648

Re: Toyota Sienna tire replacement at 12k miles

Do a google for this. Sienna's are known to be awful with tires - especially with wearing out their front tires. And the run flat ones are super fast to go. Lots of theories as to why this is. But be prepared - will happen with any tire that you put on there that they will wear much faster than usual.
by crazygrow
Sat Jun 08, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: How to start outsourcing?
Replies: 21
Views: 2194

Re: How to start outsourcing?

I have an EA at works that handles the VA stuff. I’d recommend Stronger U for the nutritionist - all online, held accountable and it works. For a personal trainer, you just need to find “your people.” It could be CrossFit. I found that I love yoga and found a great studio. Yes to house cleaners! Fin...
by crazygrow
Wed Jun 05, 2019 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: New LLC Owner Paid on K1 - Anyway to get a mortgage?
Replies: 2
Views: 306

New LLC Owner Paid on K1 - Anyway to get a mortgage?

Hi all - I recently became a 20% owner in a small LLC as CEO of a small tech company. All my salary is currently paid as guaranteed payments (contractual distributions in essence). Everyone is telling me I need a minimum of one year history of the guaranteed payments to get a new mortgage. We are be...
by crazygrow
Mon Apr 15, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house next year. Wife wants a big house. Thoughts?
Replies: 104
Views: 9741

Re: Buying a house next year. Wife wants a big house. Thoughts?

We are a family of 8 - including kids ages 12,12,12,11,9 and 6. Our house is 4600sq. ft. in a MCOL area and honestly I wish we had less room. All the bedrooms and bathrooms are heavily utilized, as well as the kitchen, main family room, my office/exercise room and my wife's office (she works from ho...
by crazygrow
Wed Apr 10, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help
Replies: 7
Views: 378

Re: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help

jpsfranks wrote:
Wed Apr 10, 2019 2:51 pm
Yes it's a (self employed/solo) 401k, and you can treat it as such and ignore that it ever said Keogh.
Thanks for your help.
by crazygrow
Wed Apr 10, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help
Replies: 7
Views: 378

Re: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help

jpsfranks wrote:
Wed Apr 10, 2019 2:42 pm
This seems to be an oddity with Fidelity where all Solo 401ks are initially labeled this way. It's fine, don't worry about it.

You can rename the account if you like for your own purposes. I did.
Thanks. So I guess in Turbotax I'm good to call it a 401k?
by crazygrow
Wed Apr 10, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help
Replies: 7
Views: 378

Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help

Hi. Thanks for any help here. My wife has her own LLC which she is 100% owner of. We submitted paperwork to Fidelity back in December to open up a solo 401k. Unfortunately, we didn't check on that account until now, and it is showing as a Keogh profit sharing plan. Fidelity is claiming this is the s...
by crazygrow
Fri Mar 29, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: 11-year old with iPhone - advice on how best to manage?
Replies: 68
Views: 5141

Re: 11-year old with iPhone - advice on how best to manage?

Hi BHs, Any good and meaningful advise how best to manage discipline, habits and financial responsibility of an 11-year old boy getting his first iPhone? Spouse and I tried our best to delay this as much as possible. In fact he is the only one in his class who doesn’t own one. Crazy imho, but that’...
by crazygrow
Mon Mar 11, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Anyone tried the diet app Noom and what did you think of it?
Replies: 13
Views: 1793

Re: Anyone tried the diet app Noom and what did you think of it?

My wife and I ended up using Stronger U. You track all your macros and food via whatever tool you want but they are registered dieticians that set your macros and you can call/email/text anytime for help and advice.
by crazygrow
Mon Feb 11, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Can employer deduct amount from salary as loan
Replies: 11
Views: 1284

Re: Can employer deduct amount from salary as loan

Hello , Its different for me . I am h1b candidate working for information technology . I never took any loan , no advance leave. I had 130 hours when i left company so according company law employer has to pay me vacation hours money. I never signed any document for loan. no relocation assistance w...
by crazygrow
Mon Jan 07, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Child # 3 - seeking advice from older members
Replies: 89
Views: 8003

Re: Child # 3 - seeking advice from older members

I may not be a good person to answer the question as I started out with three (triplets) and then had three more singletons. At one point we had 5 kids 3 and under. My kids are now ages 12-5. I likely could have early retired by now at 40 if I had kept it to 1 or 2. But I've never viewed them as a "...
by crazygrow
Sat Dec 29, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mint Experts - Tips & Tricks
Replies: 6
Views: 870

Re: Mint Experts - Tips & Tricks

I'm amazed at how little mint has improved over the six years that I have used it. It could have been such an amazing product.
by crazygrow
Sat Dec 29, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: HR Issue at Work
Replies: 9
Views: 1273

Re: HR Issue at Work

I've been in a similar situation where I fired an SVP that reported to me for performance issues and he accused me of racism and hating women (despite 2/3rds of my leadership team being women). HR and I had a frank talk about it and the c level team performed an investigation. At the end of the day ...
by crazygrow
Thu Dec 20, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 353
Views: 61736

Re: New HSA provider Lively offers investments for $30/yr fee

Just got it as well. Great news as I had just sent my money to them right before Fidelity launched. I'd still like to consolidate to Fidelity at some point but now don't have to worry about it.
by crazygrow
Wed Dec 19, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 2210

Re: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

Pretty easy. Either contact your own insurance company to get them to cover it and pursue, or write a letter to your state insurance commissioner and FedEx a copy of it to the other party's insurance company. The entire point of insurance is make you whole and cover your needs until you're made who...
by crazygrow
Tue Dec 18, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 2210

Re: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

quantAndHold wrote:
Tue Dec 18, 2018 6:15 pm
What does your own insurance company say?
Waiting on them and the dealership to return my calls. I have Amica and they have usually been great. My current claims person on this issue has been subpar though.
by crazygrow
Tue Dec 18, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 2210

Re: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

mhalley wrote:
Tue Dec 18, 2018 6:13 pm
Can they not put the damaged part back on to allow you to drive it until the part comes in?
Unfortunately, that part took a direct hit so I don't think they could do that.
by crazygrow
Tue Dec 18, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 2210

Re: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

The truck is fully reassembled except for the one backordered part (and then they need to paint). It is the shop attached to the largest ford dealership network in the area).

It also took Liberty several weeks to assume fault and to approve repairs.
by crazygrow
Tue Dec 18, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental
Replies: 24
Views: 2210

Car Accident Help - Part Backordered and Insurance Refusing to Pay Continued Rental

Hey all, Hoping for some help with this situation. A customer of Liberty Mutual t-boned my nearly new $55k F150 over two months ago. The truck is put back together except for the side panel of the bed is on backorder (crazy considering it is one of the highest volume cars produced). They don't have ...
by crazygrow
Thu Nov 29, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Help/Tax Expert Needed
Replies: 60
Views: 1930

Re: HSA Help/Tax Expert Needed

It is likely this that makes your plan not eligible: "Besides a high deductible, in order to qualify as an HDHP, a health insurance plan must also not offer any benefit beyond preventive care before you meet the annual deductible. An otherwise high deductible plan fails the HSA qualification when it...