Search found 205 matches

by iasw
Sun Jun 16, 2019 9:57 pm
Forum: Personal Investments
Topic: 24 Years Old - Need Advice
Replies: 6
Views: 620

Re: 24 Years Old - Need Advice

Cancel your whole life and put proceeds towards your student loan, and pay the rest off asap. What is your plan for increasing your income? Is there an employer sponsored retirement plan available? If so, contribute to get the full match, and then max out a Roth IRA for 2019 and going forward. You'l...
by iasw
Sun Jun 16, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to new job and how to sell & buy @ same time
Replies: 6
Views: 646

Re: Relocating to new job and how to sell & buy @ same time

And Skype? To buy a house? Your wife wouldn't be that far away, she should be there in person.
by iasw
Sun Jun 16, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to new job and how to sell & buy @ same time
Replies: 6
Views: 646

Re: Relocating to new job and how to sell & buy @ same time

Did you accept the job? Do you truly want it? Seems like the hassle might be high for the payout. I like the renting option. You aren't losing current equity. It is valuable to not rush into a housing purchase. Splitting and living separately for a few months is a huge bummer. I'd say no way to that.
by iasw
Tue Jun 11, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Questions about investing when self-employed but not incorporated
Replies: 7
Views: 460

Re: Questions about investing when self-employed but not incorporated

You still have to report all income and pay taxes, filing quarterly.
by iasw
Mon Jun 10, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Getting FastPass with regular Disney tickets
Replies: 6
Views: 701

Re: Getting FastPass with regular Disney tickets

Sure, for rides with fastpass as an option, there are kiosks near the ride. You'll scan your park ticket at that kiosk and it will give you a return time. In the return window, you'll scan your park ticket in the fastpass line. This paper ticket is free with your park ticket. I like Disney Tourist B...
by iasw
Mon Jun 10, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Getting FastPass with regular Disney tickets
Replies: 6
Views: 701

Re: Getting FastPass with regular Disney tickets

Depending on your party, you might split rides and only get Maxpass for a few people. Like if there are people who want to go on coasters and some who will not, or if you want to capture photos, etc. Using fastpasses and having a good strategy can save you a lot of time in line and a bit of walking ...
by iasw
Mon Jun 10, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Getting FastPass with regular Disney tickets
Replies: 6
Views: 701

Re: Getting FastPass with regular Disney tickets

At DLR, once you are inside the tapstyles, you can purchase Maxpass (needed for each rider) to make fastpasses and get any photos, from your phone.

Without Maxpass, you will get paper fast passes from. Kisok (free).

Maxpass saves you from walking extra.
by iasw
Thu Jun 06, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Resort vacation w/ 6 month old...?
Replies: 30
Views: 1679

Re: Resort vacation w/ 6 month old...?

Do it. Echoing others to say book non-refundables after baby is born. While a lap baby is free, if you can afford it, buying a seat can be well worth it for your baby's safety and having a little more space.

A resort with low expectations is perfect and it will probably be a confidence boost.
by iasw
Mon Jun 03, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with driving from Disneyland area to Tucson, Az?
Replies: 39
Views: 2007

Re: Anyone familiar with driving from Disneyland area to Tucson, Az?

Keep an eye on what the new Star Wars land will do to crowds. It is expected to be very busy, but we'll see.
by iasw
Sun Jun 02, 2019 3:15 pm
Forum: Personal Investments
Topic: 31 and needing outsider critique on finances - Correct Format!
Replies: 35
Views: 3888

Re: 31 and needing outsider critique on finances

Even at 0 percent, credit card debt can be iffy - - especially if you keep adding to it and the balance starts to approach your cash reserves. Get that efund built up, stop putting more spend on that credit card and knock it out, and get that student loan knocked out last (it might be almost done an...
by iasw
Fri May 31, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Efficient Disneyland visit for family 1-2 days
Replies: 37
Views: 2502

Re: Efficient Disneyland visit for family 1-2 days

Don't underestimate the impact that the new Star Wars land will have on waits and crowds (it opened today, i believe).

And I'll echo others, stay at a walkable hotel to DLR. Driving from Newport Beach daily is a lot more hassle and time.
by iasw
Thu May 30, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Schooling in NYC
Replies: 7
Views: 631

Re: Schooling in NYC

Any interest in home schooling? Either for preschool or beyond?
by iasw
Wed May 29, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 14567

Re: Can we afford to pay for our kid's college (at all)?

What is your monthly take-home after all of those taxes and health insurance contributions?

I cannot fathom how utilities are so high per month. What is going on here?
by iasw
Wed May 29, 2019 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to pay for our kid's college (at all)?
Replies: 234
Views: 14567

Re: Can we afford to pay for our kid's college (at all)?

Can we stop piling on these folks?
by iasw
Tue May 14, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Crawl space encapsulation
Replies: 36
Views: 2738

Re: Crawl space encapsulation

Not sure if this is best practice, but our crawlspace has a perimeter drain, we have sump pumps, and a dehumidifier. The dirt floor has thick plastic and there is something up the sides. I forget. I don't go in there. We also have good exterior drainage. The water comes up from the ground, just a hi...
by iasw
Tue May 14, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Is my 2018 W2 wrong? Mismatch on last paystub
Replies: 4
Views: 220

Re: Is my 2018 W2 wrong? Mismatch on last paystub

Qualified benefits offered under a cafeteria or Section 125 plan are exempt from FICA. This includes contributions made toward a medical, dental, vision and accident insurance plan and toward a flexible spending account, such as dependent care assistance and medical care reimbursements. Payments to...
by iasw
Tue May 14, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Is my 2018 W2 wrong? Mismatch on last paystub
Replies: 4
Views: 220

Re: Is my 2018 W2 wrong? Mismatch on last paystub

Ok thanks for clearing it up -- I was under the impression that FICA wasn't reduced by anything, only federal income tax was reduced by 401k, health insurance, HSA, etc.
by iasw
Tue May 14, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Is my 2018 W2 wrong? Mismatch on last paystub
Replies: 4
Views: 220

Is my 2018 W2 wrong? Mismatch on last paystub

I'm checking up on mine and my husband's Social Security statement to make sure everything matches up, and I noticed something that I wanted to investigate further. For 2018, last paystub has $125k and change for gross. The social security wages reported on W2 are only $104k. What would reduce socia...
by iasw
Mon May 13, 2019 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 58
Views: 4046

Re: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?

Why are you concerned about credit score? Will you be taking out a mortgage or auto loan at some point in the future? And, can you add more of your dislike of credit cards? Even if you preferred to use cash for most purchases, credit cards can offer good protection and benefits in some cases (rental...
by iasw
Mon May 13, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Benefits of becoming an independent contractor
Replies: 37
Views: 2905

Re: Benefits of becoming an independent contractor

Don't forget factoring in vacation, holiday and PTO to your contractor rate. I'm assuming you get those benefits at your w2 job and nothing for contract work.
by iasw
Sun May 12, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 2968

Re: What computer to buy for snowbird

A laptop will be more portable of course through an airport ; I can't imagine wanting to haul a tower even in a box. You can use an external keyboard and mouse if that is your preference
by iasw
Sat May 11, 2019 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback requested on new article: Payroll tax
Replies: 11
Views: 2869

Re: Feedback requested on new article: Payroll tax

This was timely for me, as I had been wondering about payroll taxes and how things like a 401k don't affect them. Everything was clear, and I was surprised to learn that an employer's overpayment of social security tax would not be refunded.
by iasw
Fri May 10, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Employer to Work for Current Client?
Replies: 33
Views: 3050

Re: Leaving Employer to Work for Current Client?

Another possible option is to take a short-term contract position at an unrelated place, then when that ends pivot to the job you do want. Put some space between it? It would still be known by your current employer, likely. Just tossing that idea out there.
by iasw
Wed May 08, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Job Offers, Relocation - Stuck & Need Advice
Replies: 18
Views: 2234

Re: 2 Job Offers, Relocation - Stuck & Need Advice

*waves from the Midwest * Cost of living is great, four seasons are nice, and i recommend a vacation during winter to go somewhere warmer for a week. Winter can be fun, think of the Danes and the concept of hygge. Michigan is beautiful and if you have reasonable access to an airport, you can travel ...
by iasw
Fri May 03, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Please Critique our Budget
Replies: 28
Views: 2240

Re: Please Critique our Budget

Haircuts seem a bit high. Some men don't mind cutting their own, depending on the style you have. I cut my son's the other day with a razor set with various guards, and my husband cuts his own. I pay $50 every 10 weeks or so for my own hair because i wouldn't cut it well. Ting is a potentially cheap...
by iasw
Thu May 02, 2019 4:18 pm
Forum: Personal Investments
Topic: High Income for First Time, Kid on the Way, and I'm Overwhelmed with My Options (Long)
Replies: 43
Views: 3652

Re: High Income for First Time, Kid on the Way, and I'm Overwhelmed with My Options (Long)

Edit out your kid's DOB for your privacy's sake. Great that grandparents want to help for childcare, and I'm echoing another response to say that it might work for awhile, but leave room for when that needs to change (interest changes, grandparents health, maybe you as parents aren't happy with the ...
by iasw
Thu May 02, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Platinum Annual Fee
Replies: 20
Views: 2070

Re: Amex Platinum Annual Fee

Why do you want this card over a different card? Do your travel patterns favor having a premium card? For regular spending, this charge card isn't that great (1MRx on unbonused categories).

Do you want it for the perks, or a stash of MR?
by iasw
Wed Apr 24, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Computer shopping
Replies: 20
Views: 1236

Re: Computer shopping

Can you pay with a credit card that offers price protection? A Citi card for their price rewind thing, for instance
by iasw
Thu Apr 18, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 4917

Re: Video Camera to check in on Elderly Parent

Perhaps she could do one of those wearable buttons that she could press in an emergency? There are different companies that offer this. Helps maintain privacy, but has an option for her to summon help. This could be used in conjunction with physical check-ins and phone calls.
by iasw
Mon Apr 08, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 51
Views: 4851

Re: Grand Canyon and Sedona

Sunset will be about 6:45 and See-the-Milky-Way darkness at 8pm (if it weren't for that pesky full moon rising at 9pm :happy.) My dim recollection is that Williams to the Rim is open range, so watch for cows on the road. Anyone who also consults a phases of the moon calendar when booking travel...I...
by iasw
Fri Feb 08, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: How many hours do you work and what do you outsource
Replies: 88
Views: 7656

Re: How many hours do you work and what do you outsource

1. Peapod, Kroger Click-List, Walmart pick up... any sort of grocery delivery/pick up service will save a lot of time. 2. What is your husband contributing to at home, and is that working for you? 3. I realize your kids are very small, and them "helping" right now might be more time than it takes fo...
by iasw
Wed Feb 06, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Employer wants to borrow $50k
Replies: 51
Views: 2853

Re: Employer wants to borrow $50k

Reminds me of a place I worked for 40 years ago. Each Friday paycheck every employee would try to be first to the bank, before the account went dry for that week. You say the money would be used for payroll because the company has no other significant expenses. Is this what the boss told hubby, or ...
by iasw
Wed Feb 06, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Employer wants to borrow $50k
Replies: 51
Views: 2853

Re: Employer wants to borrow $50k

aude wrote:
Wed Feb 06, 2019 5:21 pm
If the company tanks, he loses the money and the job.
and if it doesn't tank...what's to say this won't keep happening? It will. Because it has.
by iasw
Wed Feb 06, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Employer wants to borrow $50k
Replies: 51
Views: 2853

Re: Employer wants to borrow $50k

I am 100% against this. It is just so absurd, so insulting, just NO. I should not be put in this position. At all. And neither should he. I will show him this thread. Other (healthy) companies can make payroll, and he can probably still work remotely if he finds the right position. Thank you for you...
by iasw
Wed Feb 06, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Employer wants to borrow $50k
Replies: 51
Views: 2853

Re: Employer wants to borrow $50k

What do I say to my husband? He is wanting to at least consider it! :oops: I think he is afraid of the job search, and if his best job options means he will be traveling a bit, he isn't wanting to do that.

I don't want him to have a job he dislikes, but at the same time, this is NOT reasonable.
by iasw
Wed Feb 06, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Employer wants to borrow $50k
Replies: 51
Views: 2853

Employer wants to borrow $50k

I am so angry. My husband's employer wants to borrow $50k from my husband to cover expenses for the next year. It is a small consulting firm (a dozen or so employees). If you recall my username, you might remember a few years ago when the same employer owed him roughly that. He simply wasn't paying ...
by iasw
Tue Jan 01, 2019 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve points
Replies: 19
Views: 2434

Re: Chase sapphire reserve points

TPG is a credit card salesman. Doctor of Credit is impartial. Don't worry about getting absolute max value out of your points. Where do you want to go? Plan your trip and of points can get you there, use them. Either in the portal, or Southwest, maybe Hyatt. Or, cash em out and find a card that bett...
by iasw
Fri Dec 21, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Bear Market - Mindset Expectations
Replies: 61
Views: 6348

Re: Bear Market - Mindset Expectations

I'd really rather ignore the market and my account. The 401k contributions are set, and we tend to fill the Roth IRAs early in the calendar year just to get it done. Where I suppose I do need to pay attention is if I'm in the rebalancing zone. I'll need to check accounts from time to time to see if ...
by iasw
Tue Oct 09, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 155
Views: 12914

Re: What is your annual cost for health insurance?

It is lousy that employer-sponsored plans have pretax status...employer pays and if you have a premium it is pretax.

Someone on the exchange is paying with post-tax dollars.
by iasw
Thu Sep 06, 2018 10:46 pm
Forum: Personal Investments
Topic: 28/F... $325k total comp for 2019. Minimize taxes?
Replies: 8
Views: 2355

Re: 28/F... $325k total comp for 2019. Minimize taxes?

High five, sis! You're doing great.

Maybe some charitable contributions?
by iasw
Wed Aug 29, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Buy A House?
Replies: 46
Views: 4837

Re: Can I Buy A House?

POLO wrote:
Wed Aug 29, 2018 1:32 pm
Yeah jeez guys I really couldn't go through with it. The thought of having to take care of an entire house by myself, especially the kind of old one my budget can get me, just kills me. :oops:
Oh, I see you updated :) renting or with parents?
by iasw
Wed Aug 29, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Buy A House?
Replies: 46
Views: 4837

Re: Can I Buy A House?

I wouldn't buy a 2BR. What is the resale market like for those in that area? You don't want it to be a pain in the rear to sell later, ya know? Get something you could stay in for 5-10 years if you had to. At minimum, 5 years. Living with parents can be a pain, renting can be a pain, roommates can b...
by iasw
Wed Aug 29, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 157
Views: 10863

Re: How do you save money on groceries?

Finally, calculate the cost per meal. Figure out a figure that you like and work towards that. Cooking from scratch is not the same across the board...some meals are definitely more expensive than others. So, if your cost per portion is too high for one, make a cheaper meal for the next day. ^^^ Th...
by iasw
Tue Aug 28, 2018 9:59 pm
Forum: Personal Investments
Topic: Am I on the right path
Replies: 28
Views: 1603

Re: Am I on the right path

Have you shopped your life insurance policies around?
by iasw
Tue Aug 28, 2018 2:37 pm
Forum: Personal Investments
Topic: Thoughts on paying off debt vs investing
Replies: 32
Views: 2430

Re: Thoughts on paying off debt vs investing

Pay off the student loans asap. I didn't catch if you are single or married or if there are kids in your future, but either way, get rid of those payments as fast as possible. You don't know what the future will be, whether that is income, market returns. One thing that's a given are those loans.
by iasw
Mon Aug 27, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Next car suggestions for low-mileage family
Replies: 9
Views: 759

Re: Next car suggestions for low-mileage family

The biggest issue with 3 kids in the back is those wide car seats. Just doesn't work in my current car even if I did want to use it. We have some narrower seats that I could try, so I'd just need to test the configuration. I can check out some car seat forums for the scoop there. So, $10 to $15k for...
by iasw
Mon Aug 27, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Next car suggestions for low-mileage family
Replies: 9
Views: 759

Re: Next car suggestions for low-mileage family

I've recently learned it performed poorly in side-impact crash tests. Great. ...And yet you survived 12 years in the car without injury. Take a deep breath. Since you only put a thousand miles on it, your odds of being seriously hurt are probably lower even than somebody who puts the average mileag...
by iasw
Mon Aug 27, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Next car suggestions for low-mileage family
Replies: 9
Views: 759

Re: Next car suggestions for low-mileage family

To clarify -- we don't spend much at gas stations at all. My point about fuel economy is just thinking about the planet. Maybe it just doesn't matter. I do LOVE having a van for our primary vehicle. I'm sure we'll have a van for some time, but I'm just trying to consider what to do with our second v...
by iasw
Mon Aug 27, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Next car suggestions for low-mileage family
Replies: 9
Views: 759

Next car suggestions for low-mileage family

I'm trying to do some research and have a plan in place so that when it is time to make some vehicle purchases, I've already devoted some of that mental work without the pressure of a short timeline. We are a family of 5 and my spouse works from home most days, with some infrequent work meetings on-...