Search found 104 matches

by SheReadsHere719
Tue Oct 01, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance - Chase Sapphire Reserve
Replies: 12
Views: 1082

Re: Travel Insurance - Chase Sapphire Reserve

It’s okay for recovering non-refundable portions of upfront costs. … For things that go wrong while you’re traveling, you’re pretty much not covered for anything. +1. I had a non-refundable round trip ticket, and the leg home was canceled. I booked a one-way flight on another airline to get home. C...
by SheReadsHere719
Tue Oct 01, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Non stick pan preference?
Replies: 46
Views: 3332

Re: Non stick pan preference?

I have the Calphalon Classic Set: https://www.bedbathandbeyond.com/store/product/calphalon-reg-classic-trade-nonstick-14-piece-cookware-set/1045500459 From the website: "We do NOT use Teflon in any of our products. The Calphalon Classic Nonstick 14-Piece Cookware Set is made with two layers of PFOA-...
by SheReadsHere719
Tue Sep 17, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Asheville travel advice
Replies: 17
Views: 1365

Re: Asheville travel advice

*French Broad Chocolate Lounge *Tour the New Belgium brewery *Wicked Weed tasting room downtown *Cucina 24 - get the chef's tasting menu, it's an incredible meal! We stayed at the Aloft downtown; very convenient walking distance to a lot of shops / restaurants / breweries. Hope you can make it there...
by SheReadsHere719
Tue Sep 10, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: SF bay area: high school IB programs [International Baccalaureate]
Replies: 7
Views: 1224

Re: SF bay area: high school IB programs [International Baccalaureate]

IB Diploma graduate here – my thoughts: *Agree with @bmr12 that my school attracted great students because of the program (we all transferred from our assigned HS within the district). Agree that it is a tremendous amount of work to complete; I still managed some other activities, but it was a rigor...
by SheReadsHere719
Thu Aug 29, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Any experience with Trim or Billcutterz?
Replies: 17
Views: 1158

Re: Any experience with Trim or Billcutterz?

I’ve been using Trim to monitor my cable bill. We still call every year to negotiate our rate. The main additional benefit Trim offers is that they monitor for outages and will obtain a statement credit on your behalf. We’ve gotten the credit a few times, which I appreciate!
by SheReadsHere719
Thu Aug 29, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Your best deal from Craigslist
Replies: 34
Views: 2370

Re: Your best deal from Craigslist

Sold about half of my furniture in my last move. I’ve also posted several items in the ‘Free’ section (old coffeemaker, panini press, etc.). I’m always amazed at how many responses I get on these! Nice to get rid of items that are still perfectly serviceable without throwing them in the landfill. As...
by SheReadsHere719
Thu Aug 29, 2019 2:44 pm
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 154
Views: 11600

Re: My favorite Boglehead posters

+1 for Meg77!
by SheReadsHere719
Wed Aug 14, 2019 2:57 pm
Forum: Personal Investments
Topic: Continue contributing to 401k or pay off debts
Replies: 14
Views: 955

Re: Continue contributing to 401k or pay off debts

Welcome to the forum chewy8k. My recommendations below for maximum simplicity and swift debt payoff: • Since your high incomes are relatively new, sit down and chart out exactly how much $ you have to use towards debt repayment each month • I would cease her 401k contributions (or drop down to 1%) f...
by SheReadsHere719
Fri Aug 09, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Health insurance cost containment company
Replies: 27
Views: 2308

Re: Health insurance cost containment company

Accent is a third-party vendor contracted with Cigna to review their claims data for overpayments. They make money by recovering money on Cigna’s behalf (“cost containment”): duplicate made to hospitals, claims paid when the member’s coverage had termed, payments made as Primary instead of Secondary...
by SheReadsHere719
Fri Jul 12, 2019 3:06 pm
Forum: Personal Investments
Topic: Could I be financially independent in 4-5 years?
Replies: 28
Views: 5308

Re: Could I be financially independent in 4-5 years?

Hi ardrum – apologies for the delay. You can investigate indemnity insurance, which can help cover for catastrophic expenses. I would also encourage you to do comprehensive research on the ACA plans available to you, as well as their prices and any subsidies you would receive. I agree that trying to...
by SheReadsHere719
Fri Jun 28, 2019 3:20 pm
Forum: Personal Investments
Topic: Could I be financially independent in 4-5 years?
Replies: 28
Views: 5308

Re: Could I be financially independent in 4-5 years?

Your healthcare expenses aren't being accounted for since you'll need to cover this if you retire and it is very expensive. What if something happens that requires a large purchase, like a foundation/roof problem in the home or expensive health condition? Your ability to absorb this expense is grea...
by SheReadsHere719
Fri May 31, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: More Loans vs. IRA withdrawal for Grad School
Replies: 12
Views: 1246

Re: More Loans vs. IRA withdrawal for Grad School

Option 1 is your best bet. My recommendations: • Keep selling the stocks and use your Unsubsidized loans for as long as possible • You can draw down some cash, but do make sure to keep at least a bare-bones Emergency Fund • Take out Direct PLUS loans when needed, with a goal of 1) taking them as lat...
by SheReadsHere719
Thu Jan 24, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - quit 6-figure job to do coding school?
Replies: 118
Views: 9981

Re: Need Advice - quit 6-figure job to do coding school?

Agree with many others + have a few thoughts: *As KlangFool said, you should be saving like crazy over the next few years. You don’t just have a 6-figure job; you could take a 60% pay cut and still have a 6-figure job. As an exceptionally high earner, you should take full advantage of this time and ...
by SheReadsHere719
Wed Jan 23, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 64
Views: 11578

Re: Reaching Severe Burnout - Can I Scale Back Career?

Hopefully this was of interest. Thanks again to the members of this great forum. A few of my takeaways from your follow-up post: *While your first few years were too work-heavy, they had the benefit of front-loading credibility, i.e. when you made the request to your Manager, it was coming from a h...
by SheReadsHere719
Wed Jan 16, 2019 3:37 pm
Forum: Personal Investments
Topic: 29 yo resident doc married need personal finance/investing advice
Replies: 29
Views: 2982

Re: 29 yo resident doc married need personal finance/investing advice

Quick clarification: PAYE doesn’t restrict to public service like PSLF does. However, it is a 20-year repayment and a tax bill on the forgiven amount. PSLF is 10 years with no tax bill but restricted to public service for the duration. @boomie53, in your original post are you referring to PSLF? Like...
by SheReadsHere719
Tue Jan 15, 2019 1:29 pm
Forum: Personal Investments
Topic: 29 yo resident doc married need personal finance/investing advice
Replies: 29
Views: 2982

Re: 29 yo resident doc married need personal finance/investing advice

Welcome! A few notes: *There seem to be some discrepancies between gross and net in your Income summary (24 or 26 paychecks of $2,900 do not add up to $107,00). It would be helpful to get more accurate numbers and convert them to monthly to help determine Income – Expenses *Your rent + debt servicin...
by SheReadsHere719
Mon Jan 14, 2019 3:24 pm
Forum: Personal Investments
Topic: I’m 30 and recently debt free and new to investing
Replies: 18
Views: 2162

Re: I’m 30 and recently debt free and new to investing

Welcome! As you are working to beef up your Emergency Fund from 3 months' expenses to 6 months', consider opening a Roth IRA and contributing the funds there: https://www.bogleheads.org/wiki/Roth_IRA_as_an_emergency_fund You can specify the contribution towards the 2018 tax year prior to 4/15/19 to ...
by SheReadsHere719
Thu Nov 08, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited ~200k cash. 27-28y/o. Want to go to grad school/medical school. Want to invest in real estate right now.
Replies: 19
Views: 2516

Re: Inherited ~200k cash. 27-28y/o. Want to go to grad school/medical school. Want to invest in real estate right now.

There’s a lot to unpack here and you should do so one at a time. Fortunately, these are all good problems to have. They are all doable, but I recommend a more phased approach, so you can thoroughly vet each decision first. *First, the Bogleheads recommend waiting 6 months to a year before making any...
by SheReadsHere719
Mon Aug 27, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 9233

Re: Ladies: bra shopping question

+1 on a good fitting at Nordstrom - they are the best. *Find the bra you like via Nordstrom and your size and stock up. *I have also had good results restocking from eBay; found my style and size, and can just search for the style # now. Still a little pricey, but the style I like never goes on sale...
by SheReadsHere719
Wed Aug 22, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 27
Views: 2687

Re: Braces: Keeping cost down and insurance questions.

Ortho is written in dental plans as a separate lifetime maximum, so to make it simple, you could start orthodontist services late in the year, say November, and make sure your child is covered on one insurance plan. Submit the full amount, I am sure the ortho will be more than happy to bill it, mee...
by SheReadsHere719
Wed Aug 22, 2018 4:15 pm
Forum: Personal Investments
Topic: New Job - Advise on portfolio (28 y/o HCOL couple)
Replies: 6
Views: 1026

Re: New Job - Advise on portfolio (28 y/o HCOL couple)

Welcome! *+1 on moving the tIRA into a 401k so you can take advantage of the Backdoor Roth *As a matter of personal preference, I would probably move everything into the 2055 target date funds – both have low fees and are with Vanguard, hard to go wrong *I would check if either of your employers off...
by SheReadsHere719
Fri Aug 17, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 27
Views: 2687

Re: Braces: Keeping cost down and insurance questions.

*Agree with Determined about using an HSA and/or limited FSA to pay for services pre-tax, plus the credit card points and paid-in-full discount *Both Determined and EHEngineer are correct about primary and secondary; this is referred to as Coordination of Benefits. Per the ADA, the determination of ...
by SheReadsHere719
Tue Jul 03, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do we start the house buying process?
Replies: 25
Views: 2443

Re: Do we start the house buying process?

We are focused around my husband's job because I have more career flexibility. I can find a job anywhere, he is a little more restricted. We are also somewhat traditional in maintaining that the husband should be the primary provider for the family; he isn't the primary bread winner persay but he d...
by SheReadsHere719
Sat Jun 23, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?
Replies: 26
Views: 4431

Re: Why is the cost of renting private rooms in San Francisco Bay Area so cheap?

The #1 reason why rent is less expensive in San Francisco is because they have extensive rent control. Once you occupy a rental, the rent is fixed until you move, then the landlord might be able to increase it. So in an apartment building, everyone is paying different rents depending on when they m...
by SheReadsHere719
Sun May 13, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Cancer - tips?
Replies: 37
Views: 8041

Re: Cancer - tips?

bayview wrote:
Sun May 13, 2018 4:20 am
Kristen, what an amazing and thoughtful reply.

I love this forum.

camillus, best wishes for a full recovery!
+1!
by SheReadsHere719
Wed Apr 25, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 55
Views: 7797

Re: Electric Toothbrushes - again

Does anyone have any experience with the Quip? It is heavily advertised on the internet, and looks lightweight and easy to keep clean. Bought a set of Oral B's years ago. They lasted 6-8 years ea (I forget)used by two different people and the switch on both stopped working within 2 months of each o...
by SheReadsHere719
Tue Apr 17, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Account for Adult Children Allowing Parent Some Control
Replies: 31
Views: 4882

Re: Account for Adult Children Allowing Parent Some Control

I love that you want to provide support to your children in this way. Can I ask though, what if they don't get married or purchase a home for a decade or more? What if they decide to go back to school or change careers or something else? I try not to put strings on financial gifts. I'm OK with usin...
by SheReadsHere719
Tue Apr 17, 2018 10:43 am
Forum: US Chapters
Topic: San Francisco Mid Peninsula, California Chapter
Replies: 51
Views: 9539

Re: San Francisco Mid Peninsula, California Chapter Interest?

I'm interested and would also vote for something close to BART/CalTrain. Sounds like Millbrae may be the way to go?
by SheReadsHere719
Thu Oct 05, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Health insurance gamble?
Replies: 24
Views: 2788

Re: Health insurance gamble?

HR keeps telling my wife that even if we are not covered and have an insurance claim, that when they sort everything out we will be retroactively covered. That sounds wrong to me and I feel like it is just them trying to make us go away. HR is actually correct on this; COBRA includes 60-day retroac...
by SheReadsHere719
Thu Aug 24, 2017 11:42 am
Forum: Personal Investments
Topic: Help Me Plan My Retirement
Replies: 14
Views: 2673

Re: Help Me Plan My Retirement

You asked about opening an IRA and a Roth. They are not two different things like apple and banana; they are two different things like apple and green. An IRA can be either Roth or traditional. +1 The IRS has a good breakdown between the two: https://www.irs.gov/retirement-plans/traditional-and-rot...
by SheReadsHere719
Tue Aug 22, 2017 9:49 pm
Forum: Personal Investments
Topic: Help Me Plan My Retirement
Replies: 14
Views: 2673

Re: Help Me Plan My Retirement

Welcome to the forum, Smartinvested. *No debt, emergency fund, and 401k contributions up to match look good. *Bogleheads preferred funding priority is as follows: 1. 401k up to match 2. IRA up to max 3. 401k up to max 4. taxable So right now, you’re skipping steps #2 and #3. I would recommend fillin...
by SheReadsHere719
Fri Aug 18, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Want to give money to relative traveling int'l - options?
Replies: 19
Views: 1672

Re: Want to give money to relative traveling int'l - options?

Depends on the age of the recipient, but I'm assuming they are tech-savvy. Can you send them a Venmo payment? That way, you don't need account #s (just phone #), it will still be a surprise, and it avoids the hassle of using cash/travelers checks.
by SheReadsHere719
Thu Aug 17, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 5681

Re: Other people's perception of your finances

Exactly. This has NOTHING to do with who's richer. I don't care if I'm staying at the mansion of the richest family in the nation. This has to do with basic manners and upbringing. I can't imagine staying at somone's home and not constantly making myself useful: offering to help with dishes, laundr...
by SheReadsHere719
Thu Aug 17, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 5681

Re: Other people's perception of your finances

*2 weeks is a very long time; agree with others about capping the number of nights guests can stay. *Family #1 might be redeemable guests in the future; family #2 had their trial run. Sounds to me like it’s less about a perception of wealth and more about kindness, generosity, and good manners. * Pr...
by SheReadsHere719
Thu Aug 17, 2017 11:23 am
Forum: Personal Investments
Topic: Vanguard Portfolio for 24 year old
Replies: 17
Views: 2488

Re: Vanguard Portfolio for 24 year old

Both legendor and ruralavalon are correct. Legendor: agreed, it’s only movement of the $1,500 to start the Roth IRA, not spending. Ruralavalon: agreed that the high-interest student loan debt should be priority #1, and should be paid off prior to making any more contributions to the Roth IRA for the...
by SheReadsHere719
Wed Aug 16, 2017 2:52 pm
Forum: Personal Investments
Topic: Vanguard Portfolio for 24 year old
Replies: 17
Views: 2488

Re: Vanguard Portfolio for 24 year old

Since you are in the 25% tax bracket, it is likely better to stick with the traditional 401k. See the Wiki: https://www.bogleheads.org/wiki/Traditional_versus_Roth. As for your emergency fund, my understanding is you cannot add that to a Roth 401k; it would need to be added from your paychecks. The ...
by SheReadsHere719
Tue Aug 15, 2017 11:04 am
Forum: Personal Investments
Topic: Vanguard Portfolio for 24 year old
Replies: 17
Views: 2488

Re: Vanguard Portfolio for 24 year old

Echoing others about the Target Date fund. If you’d prefer, you can use the 2055 fund – although the asset allocation is quite similar to 2060 right now since the time horizons are still long on both. You mentioned “I already have ~30% assets there,” but the fund itself is diversified for you across...
by SheReadsHere719
Sun Aug 13, 2017 4:57 pm
Forum: Personal Investments
Topic: 403(b) overcontribution?
Replies: 6
Views: 954

Re: 403(b) overcontribution?

I faced the same problem (over-contribution + 2-week lag time). Here’s the timeline of what I did: 7/17: changed contribution down. Effective 8/11 paycheck. 7/31: changed back to regular contribution amount. Effective 8/25 paycheck. Given the lag time, I wanted to make the change now so as to avoid ...
by SheReadsHere719
Thu Aug 03, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Any website to get paid carpooling?
Replies: 12
Views: 1423

Re: Any website to get paid carpooling?

Casual Carpool has hugely popular in the Bay Area since the 1970s: http://sfcasualcarpool.com/ Also a great article on it: http://www.cbsnews.com/news/casual-carpool-san-francisco-rideshare/ You won't get paid, but you will save a lot of time using the carpool lanes. Plus, some riders carry cash to ...
by SheReadsHere719
Thu Aug 03, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Just general comments for a 22 y/o on financial position
Replies: 40
Views: 7573

Re: Just general comments for a 22 y/o on financial position

nedsaid wrote:Meg77, that was great advice given above. I would nominate that post for the Bogleheads Hall of Fame if there was one.
+1!
by SheReadsHere719
Sun Jul 30, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Those Of You In a HCOLA - What's Your Financial Plan
Replies: 68
Views: 9607

Re: Those Of You In a HCOLA - What's Your Financial Plan

*We also have 1 car and use public transportation. *Craigslist is awesome in big cities for both buying and selling. *Cities have a lot of great resources. This includes free events open to the public, free days at museums for city residents, and annual passes to museums through the library. *The Fr...
by SheReadsHere719
Mon Jul 24, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 12235

Re: Investing Education and Mansplaining

Everyone should closely re-read meaghansketch and WL2034’s posts – they are excellent and make it clear that Mansplaining is not a “war between men and women” or an aversion to Bogle explaining investment principles. Rather, I’ll illustrate with my own recent example: an older male coworker Mansplai...
by SheReadsHere719
Mon Jul 17, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 4059

Re: 18 year old first credit card recommendations

If you or your daughter has access to USAA, they have a great intro credit card. Starts with a $500 limit, and the credit is established in their name, plus USAA has excellent customer service should she run into any issues or lose her card. Worked well for me!
by SheReadsHere719
Thu Jul 13, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is booking travel via Chase Travel Portal cheaper?
Replies: 15
Views: 2678

Re: Is booking travel via Chase Travel Portal cheaper?

As long as there is availability and the price is not drastically different, one other aspect to keep in mind is that you will still accrue airline miles/hotel points when booking through the UR portal. Something to keep in mind of valuation or working towards premier status. Another UR tip: althoug...
by SheReadsHere719
Mon Jul 10, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Background Jazz
Replies: 5
Views: 969

Re: Background Jazz

The "Autumn Jazz" station on Pandora is my go-to.
by SheReadsHere719
Thu Jul 06, 2017 3:45 pm
Forum: Personal Investments
Topic: (26YO) Financial/Investment Life Planning (Opinions wanted).
Replies: 19
Views: 1821

Re: (26YO) Financial/Investment Life Planning (Opinions wanted).

You’re on the right track, but IMHO you’re trying to tackle too many financial phases at once. Debt repayment, wealth accumulation, homesteading… it’s a lot! I would break it out as follows: Short-Term: Debt Payoff - continue 401k contributions up to match - refinance student loans (both $30k and $1...
by SheReadsHere719
Fri Jun 02, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Novice for Southwest Companion Pass - Questions
Replies: 11
Views: 1719

Re: Novice for Southwest Companion Pass - Questions

You can actually change 3 times per calendar year, which means up to 6 times during your CP holding period: "The Member may, however, change his/her designated Companion and request issuance of a new Companion Pass card up to three (3) times each calendar year that the Member maintains Companion Pas...
by SheReadsHere719
Fri Jun 02, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Novice for Southwest Companion Pass - Questions
Replies: 11
Views: 1719

Re: Novice for Southwest Companion Pass - Questions

Yes, math looks correct to me. Another fun point to add: if your wife has any unused SW points, she can book a ticket in your name, and then you can go to your account and add her as the companion. You can also change your companion 3x per calendar year, in case you want to make your kid your compan...
by SheReadsHere719
Tue May 23, 2017 4:56 pm
Forum: Personal Investments
Topic: Beginner Seeking Advice (19 y/o, Roth + Taxable, How to plan for Grad School?)
Replies: 2
Views: 435

Re: Beginner Seeking Advice (19 y/o, Roth + Taxable, How to plan for Grad School?)

Welcome! Congrats on capitalizing on a strong start, your parents and grandparents must be proud. *I would recommend continuing to max out your Roth IRA every year. The liquidity is really nice when you’re young, and it’s a versatile and useful account. Keep earmarking that $5,500 annually. *You men...