Search found 372 matches

by veindoc
Tue Sep 18, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can I really retire? Please check my math and poke holes.
Replies: 44
Views: 4624

Re: Can I really retire? Please check my math and poke holes.

I feel like you have “just” enough.
It may work out great but you could be left a little short. Sequence of returns could be a real risk.
Any interest in taking a fun side job during retirement - to generate the fun money?
Any heirs to consider?
by veindoc
Tue Sep 18, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4327

Re: Dilemma: Add room to current house or buy new house?

I would just buy the other home. Just because a house is big doesn’t mean it functions well. We live in a 5000sq foot home and it sometimes feels too small because of the size of the rooms. The entry way/hallway is way too expansive. It looks impressive but is just not practical. The entry way itsel...
by veindoc
Sat Sep 08, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Getting Top Dollar for Selling our Condo
Replies: 16
Views: 1272

Re: Getting Top Dollar for Selling our Condo

Would definitely have appliances match. Would have it “staged” with trendy decor. Is there a washer/dryer in the unit? That’s always a selling point no matter where you live. Could you borrow some bathroom space to add the hook-ups since bathroom is large? What is the issue with the leaks? Since you...
by veindoc
Sat Sep 08, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Getting Top Dollar for Selling our Condo
Replies: 16
Views: 1272

Re: Getting Top Dollar for Selling our Condo

Have you looked at other condos in the building? You mentioned it is in an up and coming area so you don’t want to over-improve. Would also suggest having realtors come in to evaluate apartment and offer suggestions.
by veindoc
Thu Aug 30, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8313

Re: Mega Downsize....

Never had a problem with free cycle. I’ve met people in parking lots and have left things for porch pick-up. I’ve been to people’s porches to pick things up.

I guess with everything buyer beware but I am grateful that I have not had a problem.
by veindoc
Thu Aug 30, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8313

Re: Mega Downsize....

I second the idea of buying your new home before you eliminate items (if you can afford it) and taking only what you want. Have an estate sale in old home once you’ve moved. Hire a company. Donate what doesn’t sell. List home. I am trying to clear out our basement which has become a sea of toys. But...
by veindoc
Thu Aug 30, 2018 7:25 am
Forum: Personal Consumer Issues
Topic: Body language coach?
Replies: 26
Views: 2873

Re: Body language coach?

I would look to enroll in a public speaking class at a community college. Look for one where you are videotaped. It’s like when you hear your recorded voice for the first time. It’s very enlightening. I had the opportunity to watch serial videos of me and I saw myself improve over time. Don’t get di...
by veindoc
Sun Aug 26, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9493

Re: What is your stealth way to save monthly?

Thank you for the thoughtful comments above. Perhaps a better word would have been 'hack' or a way to 'boost savings in a clever/automatic way'? I am already happy with the savings rate. That is thanks to to good health, being lucky, working hard, and learning from sources listed above. Another exa...
by veindoc
Fri Aug 24, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7658

Re: I still use cash not credit cards should I reconsider?

I spend less when I use cash than when I use a credit card. I have at least ten cards with limits of 30,000 on many of them. I am not going to sweat a $20 purchase. If I only have $300 in my pocket and I have to go to an ATM to get more than yes I will sweat the $20. I would be curious to see if you...
by veindoc
Thu Aug 23, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Specific Disney fastpass suggestions
Replies: 10
Views: 1262

Re: Specific Disney fastpass suggestions

Also, we decided against the dining plan, but am curious if anyone saved some $$$ by bringing water or beverages into the MK? We never ate at the park.We brought drinks and food from the supermarket. Everything was stored in a cooler. We just packed daily. We brought fruit (watermelon is delicious ...
by veindoc
Fri Aug 17, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Non-owner contributing to home renovations: what's fair?
Replies: 39
Views: 2515

Re: Non-owner contributing to home renovations: what's fair?

Perhaps a simple equation might work best. If your house is now worth $500,000 (just an easy number to work with) and your partner pays for $10,000 in renovations, that $10,000 represents 2% of the value of your home. If you sell in five years and the sales price is $600,000, apply that same 2% to ...
by veindoc
Fri Aug 17, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: eBay seller issue
Replies: 13
Views: 1329

Re: eBay seller issue

I read an article a year ago about a seller issue with eBay. I can’t remember the details but a story similar to yours. Unfairly blocked from selling. That person then listed their items on Shopify and they all sold. I had never heard of Shopify but felt the world needed an alternative to eBay and A...
by veindoc
Thu Aug 16, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Non-owner contributing to home renovations: what's fair?
Replies: 39
Views: 2515

Re: Non-owner contributing to home renovations: what's fair?

Raybo wrote:
Thu Aug 16, 2018 8:14 pm
How much money is involved? If just a few thousand, I’d consider it a gift and leave it at that. If your partner doesn’t like that, don’t accept the money.

If you want to keep things separate, keep them separate.
This. It would be a gift.
by veindoc
Wed Aug 15, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Odd situation.. How much down payment? 15/30 year loan? Should I sell taxable investments for the down payment?
Replies: 14
Views: 877

Re: Odd situation.. How much down payment? 15/30 year loan? Should I sell taxable investments for the down payment?

Dang... I guess I have been pretty narrow minded about home ownership. I jumped right into it because I thought it was a good idea to have your own home. I honestly did get taken aback a little bit when I realized how expensive taxes would be. Would it change anything if I decided to rent out the s...
by veindoc
Wed Aug 15, 2018 5:35 am
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2466

Re: Travel over thanksgiving holiday, drive or fly?

livesoft wrote:
Tue Aug 14, 2018 8:24 pm
I used to live on Long Island. It would take about 4 hours to get off the island during Thanksgiving traffic when normally it would take about an hour.

ugh

It is not clear what your extra hour after reaching NYC is spent doing.
The extra hour is getting from the GW Bridge to my parents home.
by veindoc
Tue Aug 14, 2018 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Wife got a new job! Please evaluate my portfolio...
Replies: 24
Views: 2058

Re: Wife got a new job! Please evaluate my portfolio...

Can you start with your annual income now and then once wife starts working? Also what are your annual expenses? I’m trying to judge here if you have enough in retirement. Where is your efund and why is it so pitifully underfunded? One month expenses, that’s it and you were a single income family. W...
by veindoc
Tue Aug 14, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2466

Re: Travel over thanksgiving holiday, drive or fly?

kaudrey wrote:
Tue Aug 14, 2018 1:11 pm
As someone who has to drive up and down between DC and Boston relatively regularly, and had to do it last year on the Sunday after Thanksgiving - I vote FLY. That Sunday was my worst road trip EVER, and it took 150% the time it should have.

What time did you leave?
by veindoc
Tue Aug 14, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2466

Re: Travel over thanksgiving holiday, drive or fly?

Not going is unfortunately not an option. Going alone is an option however if I can find someone to watch the kids overnight on a holiday weekend. Going to be tough though. Kids are seasoned travelers age 10, 8, and 5 and we have had our fair share of airport delays that I know they can cope. I thin...
by veindoc
Tue Aug 14, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2466

Re: Travel over thanksgiving holiday, drive or fly?

You didn't state where you are coming from. Given the busy weekend and three kids, I probably wouldn't fly. If you're coming from New England, I would recommend driving to the New Haven station and taking the train the rest of the way into NYC. I'm coming from Northeast Ohio. Train is 12 hours to N...
by veindoc
Tue Aug 14, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2466

Travel over thanksgiving holiday, drive or fly?

We have a wedding to attend for a close relative this Thanksgiving weekend. The wedding is on Saturday after turkey day, starting at 4pm.My husband is on call the whole weekend so I will be traveling alone with the three kids. I would like to spend as much time with him as possible so leaving before...
by veindoc
Tue Aug 14, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Claiming airline compensation
Replies: 9
Views: 855

Re: Claiming airline compensation

My question really relates to the nuts and bolts of it. I don’t have experience with this and wonder if it is better to call, ask in writing, or open up a Twitter account with 0 followers and tweet about it. Had I been the one to drop them off I would have asked the agent since they had six hours, b...
by veindoc
Tue Aug 14, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Claiming airline compensation
Replies: 9
Views: 855

Claiming airline compensation

We recently flew to Europe traveling multiple legs. The tickets were booked through Orbitz. One leg was significantly delayed and upon returning, orbitz via airhelp offered to obtain compensation for the flight. The total amount was $2200 offered for the five of us. Figured nothing to lose and submi...
by veindoc
Mon Aug 13, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: What is the best way to determine if one should buy something or save their money?
Replies: 29
Views: 1950

Re: What is the best way to determine if one should buy something or save their money?

I generally decide how much I am going to save a year. We try for at least a third of our gross salary but ideally 50%. Then I automate it. What’s leftover is free for me to spend. At the same time I do not like to overspend on things so favor sales/clearance. I also do not like to pay for things I ...
by veindoc
Wed Aug 08, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help please - Received IRS tax notice CP2000
Replies: 11
Views: 1142

Re: Help please - Received IRS tax notice CP2000

Pay the IRS what is due if you agree with it.
File an amended federal return for 2017 with tax and penalty due.

File amended returns for 2016 and 2017 with the state.

Update your address with the 1099 issuers.
by veindoc
Tue Jul 31, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12564

Re: Joint Ownership of home with second wife

Financially, I gain the following: * With her extra income, I afford to buy into a neighborhood with better schools if that is more important in the future. This also leaves potential for buying a second winter home in retirment * I could inherit her 401(k) if I outlive her, although that's not ver...
by veindoc
Tue Jul 31, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 12564

Re: Joint Ownership of home with second wife

How old are the kids? Do you have full custody or shared? I would leave the kids out of the house. Buy a home you both love. Put down equal down payments and share expenses 50/50. If you divorce split 50/50. If you die, she gets it all. Set aside cash/stocks for the kids inheritances in an amount yo...
by veindoc
Mon Jul 30, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Pay Down Question
Replies: 37
Views: 2119

Re: Credit Card Pay Down Question

Whatever behavior got this person into 11K in high-interest rate CC debt needs to change. And IMHO the path of scrimping for several months is more likely to change that behavior than the withdrawal from the IRA. +1. Roth is easy way out.What’s the plan when they find themselves in cc debt again? K...
by veindoc
Sun Jul 29, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: I think it's time to cut the landline cord, how to do it?
Replies: 25
Views: 3040

Re: I think it's time to cut the landline cord, how to do it?

My kids were with the babysitter and she had a seizure and became unresponsive. My son age 9 used the landline to call me to cal 911. I wouldn’t get rid of it until the kids had cellphones.
by veindoc
Fri Jul 27, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Decision for Stay at Home Wife?
Replies: 84
Views: 3601

Re: Decision for Stay at Home Wife?

Wow, appreciate all of the quick feedback on this. I haven't had the honest conversation with my wife yet, but just wanted to have this as an option in the back of my mind in case she does want to go that route. I get the "feeling" that she wants to be a SAHM based on her asking if she could take t...
by veindoc
Thu Jul 26, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Starting from scratch
Replies: 17
Views: 2007

Re: Starting from scratch

I found this page for you re student loan refinancing.Doesn’t answer your question directly but should get you started.

https://www.whitecoatinvestor.com/12-th ... financing/
by veindoc
Thu Jul 26, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Starting from scratch
Replies: 17
Views: 2007

Re: Starting from scratch

What exactly do you need help with? Seems pretty simple here. Don’t let the new salary and move cloud things for u. Minor distractions. This is what you need to do: Max our all tax-deferred options-401k and IRA’s-figure out how much do deduct each pay period to get to 18500 this year. Refinance stud...
by veindoc
Wed Jul 25, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3439

Re: Intermittent Fasting

OMAD (one meal a day) is a popular form of intermittent fasting. Alternate day fasting (eating every other day) is also pretty popular. Personally I do OMAD. I've tried alternate day (didn't care for it) and I've also done several week long fasts (those were interesting and easier then you think) A...
by veindoc
Sat Jul 21, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: House foundation repair with Helical Piers - urgent request
Replies: 22
Views: 1625

Re: House foundation repair with Helical Piers - urgent request

No, even if repaired properly the house will always "have a story". When he wants to sell the property in the future, an unstable foundation that has been repaired will scare off many potential buyers and likely lower the value compared with similar properties with no such issues. Bottom line, walk...
by veindoc
Sat Jul 07, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a job in a less desirable city if you had to work fewer days?
Replies: 40
Views: 3228

Re: Would you take a job in a less desirable city if you had to work fewer days?

Would be interested in knowing if anyone has made a decision like this and how it turned out. I currently live in a big city (1.5 mil metro) with a lot of great activities and good weather, but need to work 5 days per week. I have the opportunity to take a job in a small city (400k metro) I don't r...
by veindoc
Fri Jul 06, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9702

Re: What time do you get up in the morning?

I was once told that if a parent wants to accomplish things, they must create time rather than find it. Heading this advice I have been waking up around 4am to get in a quick jog, weight lifting (none of the which is anything to brag about, but it is better than nothing), Bible and prayer time, and...
by veindoc
Fri Jul 06, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9702

Re: What time do you get up in the morning?

If you can't find 30 minutes a day to get in some exercise and the only alternative is decreasing sleep, you need to take a serious look at your lifestyle. My wife works full-time, is a full-time student 4.0 student, and the mother of two...and she trains ~7hrs/week... I agree with you about priori...
by veindoc
Thu Jul 05, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 9702

Re: What time do you get up in the morning?

I was once told that if a parent wants to accomplish things, they must create time rather than find it. Heading this advice I have been waking up around 4am to get in a quick jog, weight lifting (none of the which is anything to brag about, but it is better than nothing), Bible and prayer time, and...
by veindoc
Thu Jul 05, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: My student loan or kids' 529?
Replies: 7
Views: 675

Re: My student loan or kids' 529?

Just pay the loan off. It’s going to get more expensive the longer you keep it. You will be in good shape to contribute to the 529’s next year and going forward.
by veindoc
Fri Jun 29, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Install different carpet styles/colors in same floor bedrooms?
Replies: 19
Views: 1117

Re: Install different carpet styles/colors in same floor bedrooms?

I would second placing a hardwood or even laminate down on the second floor and use large area rugs throughout. Might be cheaper than four different types of carpet. (Maybe) Another option could be fun area rugs in each room over a neutral carpet. That might be your cheapest option yet. We had wall ...
by veindoc
Wed Jun 20, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Air conditioner compressor replacement cost
Replies: 31
Views: 3586

Re: Air conditioner compressor replacement cost

Our AC just died. It was the compressor. A new compressor wasn’t even offered as it wouldn’t b cost effective, but our unit was 25 yrs old. How much would a new one cost with a 10yr warranty. We paid $3600 for our new unit.
by veindoc
Wed Jun 13, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5481

Re: How do you celebrate (potty trained kid) milestone with your spouse?

When I was a preteen my mother randomly announced quite happily, “your father paid the car off.” I had no idea what that meant, like, he had been driving the car for over a year. Wasn’t it already paid for? But my mother sounded so happy and being a lover of anything ice cream and cake, I offhandedl...
by veindoc
Mon May 28, 2018 6:17 am
Forum: Investing - Help with Personal Investments
Topic: What to do with extra cash?
Replies: 13
Views: 1866

Re: What to do with extra cash?

This is a no brainer for me. Max out the tax deferred 401k. Pay off the debt- HE and car. Then a taxable account.
by veindoc
Sat May 26, 2018 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Leave career (fortune 200) and join the peace corps?
Replies: 29
Views: 3613

Re: Leave career (fortune 200) and join the peace corps?

I would retire the car debt before you leave. Can you make that happen?
by veindoc
Wed May 23, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Buy now and wait one more year to move in?
Replies: 17
Views: 2294

Re: Buy now and wait one more year to move in?

We could move now and commute, but it is not ideal (45-55 minutes each way). I am likely to get a job in one year that is 10 minutes from the house we like the most. I'm researching if we can buy this single family home with a pool and rent it out for one year until we are ready to move. It is our ...
by veindoc
Wed May 23, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 3698

Re: Life Changes

Why not stay put while you build the new house, then move once it’s habitable? I guess that's an option. Only thing is timing of selling our house. I would rather not put it on the market in the winter. Since kid is in school plan is to finish her kindergarten year here. If I put house on market th...
by veindoc
Tue May 22, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: When should we stop contributing to our 529?
Replies: 18
Views: 2117

Re: When should we stop contributing to our 529?

I’m kind of in the same situation. We have 150k distributed over three kids. The oldest will hit college in 2027. The last two years my father has contributed to the kids’ 529s, up to the max before triggering gift tax paperwork. We could keep saving but I am expecting a sizable inheritance. And I’m...
by veindoc
Thu May 17, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 3046

Re: Any experience with Blue Apron?

We have been using blue apron for about 2-3 years. We do 1-2 boxes every six weeks. The packaging has improved so it is a lot less wasteful. Pros: gets you out of a rut - some days/weeks I just have no imagination or desire to plan a meal introduces you to different meals/ingredients - have used som...
by veindoc
Wed May 09, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Talk to me about HSA’s. Do they make sense for us?
Replies: 9
Views: 1285

Re: Talk to me about HSA’s. Do they make sense for us?

For some reason I thought getting this job would be a qualifying event that would allow him to drop me from his insurance. That’s not the case? Yes, your new job and/or coverage is a QLE for him. This does allow him to drop you and/or dependents from his insurance and reduce or stop FSA contributio...
by veindoc
Wed May 09, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Talk to me about HSA’s. Do they make sense for us?
Replies: 9
Views: 1285

Re: Talk to me about HSA’s. Do they make sense for us?

So how should I go about this? Option 1: Keep everyone on my husband’s plan and use his FSA to pay for son’s expenses as we have been doing. Put myself only on HSA and contribute the max. That will not work. His FSA can reimburse your expenses before your deductible is met. This makes you ineligibl...
by veindoc
Tue May 08, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Talk to me about HSA’s. Do they make sense for us?
Replies: 9
Views: 1285

Talk to me about HSA’s. Do they make sense for us?

I just got a job offer and it will be the first time I’ve worked with an employer that offers HSA’s. Everyone raves about them but since neither my husband nor I have ever worked in a place that offered such a plan, we’ve essentially ignored them and are trying to piece together the details. I know ...