Search found 378 matches

by veindoc
Tue Oct 16, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a forever home?
Replies: 25
Views: 2932

Re: Reasonable cost for a forever home?

I started with a set of criteria: At least four bedrooms, preferably five. One for us, two for kids and two for multiple guests. Don’t want to trip over anyone sleeping on an air mattress in my living room. Had to have a home office. At least 3 full bathrooms and a half Large mud room laundry (on ma...
by veindoc
Sat Oct 13, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Best business credit card
Replies: 6
Views: 515

Best business credit card

Hello all, I have some business related expenses coming up and am looking for a dedicated business credit card that offers some rewards/points preferably cash. I already have a personal American express platinum card, Chase Reserve credit card, and Capital One Ventures. All three are fine, but I'd l...
by veindoc
Sat Oct 13, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5916

Re: Anyone done a Hair Transplant?

[quote=PaulAtreides post_id=4158624 time=<a href="tel:1539205321">1539205321</a> user_id=129239] Hello there, I was wondering if anyone on this forum has done a hair transplant or knew someone who did and the experience/results that were observed. I am 33 and severely balding, been considering a tr...
by veindoc
Wed Oct 10, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 42
Views: 5314

Re: Pls help us design our family life!!!

Can you start by modifying your hours now? My cousin who’s works in govt used to to a 6-3 schedule. Hubby got kids off to daycare/school and she picked them up. This might give you some of the work life balance you want and possibly reduce child care costs giving you some breathing room.
by veindoc
Sun Sep 30, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer patient - Estate planning for minor beneficiary
Replies: 14
Views: 1517

Re: Cancer patient - Estate planning for minor beneficiary

First of all, sorry to hear this.
Does your child need access to these funds while as a minor? It seems you could set up the trust for your son to inherit once he is in the majority.
by veindoc
Mon Sep 24, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5191

Re: Vacation without saving adequately?

that’s an easy one... “No ski trip for you” you need to get comfortable staying within your financial boundaries; in this case, since you didn’t prepare for that trip, and to take it would mean either not saving adequately or creating debt that would impact future savings, the answer is CLEAR... NO...
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: 48
Views: 5868

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: 4886

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: 1300

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: 1300

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: 8600

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: 8600

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: 2947

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: 9770

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: 7906

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: 1301

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: 2576

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: 1359

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: 2576

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: 922

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: 2536

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: 2098

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: 2536

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: 2536

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: 2536

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: 2536

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: 903

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: 903

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: 2000

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: 1181

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: 12905

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: 12905

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: 2207

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: 3147

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: 3801

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: 2060

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: 2060

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: 3591

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: 1688

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: 3316

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: 160
Views: 12974

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: 160
Views: 12974

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: 160
Views: 12974

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: 721

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: 1184

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: 3748

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: 5652

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: 1908

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: 3677

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: 2344

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 ...