Search found 51 matches

by Maya1234
Sun Nov 19, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 156
Views: 8265

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Although I am at times personally uncomfortable with DR ( because he’s so religious and that is sometimes part of his message, while I’m an atheist ) I really do think that he gives very good advice on spending/debt and for many of his listeners, for whom debt and spending above their means has been...
by Maya1234
Sun Nov 19, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 78
Views: 3738

Re: How much do you budget for vacation?

As a homebody who much would rather go nowhere than go on the cheap, I budget about 20-25 k for one weeklong ( or 10 days to Europe) and one weekend vacation over a two year period. Long vacations, even luxury ones, are unpleasant for me. I miss being home. We only fly first/business and stay in ver...
by Maya1234
Sun Nov 12, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Unnecessary Corporate Meetings
Replies: 25
Views: 1879

Re: Unnecessary Corporate Meetings

Am I just crazy or do the majority of the meetings that take place in a corporate setting unnecessary, a complete waste of time and issues discussed could have been handled in a 5 minute conversation or email? When people complain about work life balance I think of all this time wasted in meetings ...
by Maya1234
Sun Nov 12, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Paying off Home mortgage, partner doubts?
Replies: 40
Views: 2897

Re: Paying off Home mortgage, partner doubts?

Well this atypical, I guess, Boglehead does not have a wife because I have a husband. In any event, there shouldn't really be anything to "tell." It should be discussed in advance and come to a joint decision. I happen to disagree with your wife. I think the question whether you'd borrow money to in...
by Maya1234
Sat Nov 11, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16294

Re: Flying first class, business, versus economy.

I always fly economy. That's part of the travel. You know what I do when the economy seat gets tough. I think of crossing the Altantic in a boat, like the Pilgrims. I think of crossing the country in a wagon train. I think of all those who have gone before me in their travels in much tougher means ...
by Maya1234
Sat Nov 11, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16294

Re: Flying first class, business, versus economy.

I always fly economy. That's part of the travel. You know what I do when the economy seat gets tough. I think of crossing the Altantic in a boat, like the Pilgrims. I think of crossing the country in a wagon train. I think of all those who have gone before me in their travels in much tougher means ...
by Maya1234
Fri Nov 10, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16294

Re: Flying first class, business, versus economy.

When I had a multi million dollar windfall inheritance last year ( after already building our assets to a comfortable 2 comma level) we decided that we would use it for two things. Giving more to charity and for things that really brought pleasure to our lives. Our house ( fully paid off and less th...
by Maya1234
Thu Nov 09, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34679

Re: Did you tell anyone you paid off your mortgage?

I live and work in a bubble. Most people i knew would not be particularly envious of us paying off our house. Many of my friends at home , close family and co-worker friends are in a position to pay off their mortgage easily or have done so. So yes. Siblings and close friends were told. I Often disc...
by Maya1234
Wed Nov 08, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: What is the story with the Apple iWatch Series 3?
Replies: 26
Views: 1928

Re: What is the story with the Apple iWatch Series 3?

I had my settings so that only some communications would alert me. Those from my kids, their school, my most important clients etc...This gave me a huge amount of freedom to ignore my phone knowing I wasn’t missing anything important. That alone made the watch essential. Also love that it literally ...
by Maya1234
Sun Nov 05, 2017 12:29 am
Forum: Personal Consumer Issues
Topic: How do I select a good employment law attorney?
Replies: 46
Views: 2171

Re: How do I select a good employment law attorney?

You need to tell us if you are exempt or non-exempt. I don't believe it is against the FMLA regs for your employer to send you emails during your absence. In fact, if you are also on disability they do have the right. All that FMLA does is protect your job for 12 weeks but that clock runs while you...
by Maya1234
Sun Nov 05, 2017 12:23 am
Forum: Personal Consumer Issues
Topic: How do I select a good employment law attorney?
Replies: 46
Views: 2171

Re: How do I select a good employment law attorney?

Generally employment attorneys representing employees do not charge their clients anything. They take the case on a contingency because federal employment stautues have fee shifting provisions. If the employee wins the employer has to pay. The employee does not have to pay if the employee loses. Mos...
by Maya1234
Thu Nov 02, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 53
Views: 6640

Re: Black Friday Deals/Holiday Gift Ideas

Thermopens. I love love love mine but it took me a long time to bite the bullet because it seemed like to much to spend on a kitchen thermometer. Now I can't believe I waited so long. I like getting people things they would hesitate to get for themselves because they are expensive for what they are ...
by Maya1234
Mon Oct 16, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7449

Re: How long for hedonic adaptation to set in?

The housing though, is def legit. I wish it wasn't, but it absolutely is life-changing, and probably THE most life-changing way you can possibly spend your money. It is life-changing for you . I have three close friends and a neighbor who bought mansions (not McMansions, but legit 10,000+ sqft mons...
by Maya1234
Sun Oct 15, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4457

Re: Amazon Prime - Decline in Delivery Service?

Not for me near a large city, but when I send stuff to my kid in a college town it happens a lot.
by Maya1234
Sun Oct 15, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7449

Re: How long for hedonic adaptation to set in?

Flying in Business/First Class is a salient example of Hedonic Adaptation that technovelist , Maya123 , msk , and many others have acquired and I am trying to avoid. Victoria IS it hedonistic adaptation if the scanarios are thus:@ How I felt going Coach in the last 15 years or more: days before vac...
by Maya1234
Sat Oct 14, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: How long for hedonic adaptation to set in?
Replies: 109
Views: 7449

Re: How long for hedonic adaptation to set in?

- I try to abstain from flying above basic Economy, because I suspect that if I fly something better, it would be difficult to go back. Several months ago, I took a short flight in Business, because I wanted to use points in my British Airways account. It was significantly better than my normal exp...
by Maya1234
Sat Oct 14, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Deals on Halloween Candy
Replies: 13
Views: 1644

Re: Deals on Halloween Candy

Now that my kids are grown and I don't have to spend money on costumes but don't get their joy at Halloween either. So I've become the old lady who gives the best Halloween candy. I get about 75-125 trick or treaters ( depending on weather) I give out full sized chocolate bars. Heshey, Milky Way, Sn...
by Maya1234
Thu Oct 12, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2490

Re: Going First Class

the " tell no one" doesnt work for me re the inheritance. I guess it's a very odd situation to have to tell your friends but I have worked with them for 30 years. There was no one else I would have trusted with the estate. They did a fantastic job. And most have more money than me. I'm a part time ...
by Maya1234
Thu Oct 12, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2490

Re: Going First Class

the " tell no one" doesnt work for me re the inheritance. I guess it's a very odd situation to have to tell your friends but I have worked with them for 30 years. There was no one else I would have trusted with the estate. They did a fantastic job. And most have more money than me. I'm a part time h...
by Maya1234
Thu Oct 12, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2490

Re: Going First Class

As I said I told my co-workers because as we sat around and they discussed with me the dollar amont i would be receiving from my aunts estate ( they were doing the work) they asked me " so do you guys think you'll move? Or get a new car? And I told them nope but first class. Probably very few people...
by Maya1234
Thu Oct 12, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2490

Going First Class

When I inherited several million dollars last year we decided that while we had no interest in a nicer home, fancy cars, expensive clothes, watches, handbags etc... we were only gonna to fly first class. The reactions when I have told people have been interesting often expressions of disbeief. Like ...
by Maya1234
Tue Oct 10, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15079

Re: [Boglehead vs Mr Money Mustache philosophies]

... if you do, and you realize you don't have to be an economic serf your whole life, it's incredibly liberating. This. MMM (and followers) seem to consider traditional employment, i.e. having a job, to be "economic serfdom". And for those who hate or at least don't particularly like their jobs, th...
by Maya1234
Mon Oct 09, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7700

Re: Do you want your receipt?

I always demand a receipt and check them against the monthly statement. How else can you check for fraud accurately? By checking every time you maybe a purchase in "pending charge" I do this on my chase app. The charge hits within seconds and it takes only a second to check. I never have to do any ...
by Maya1234
Sun Oct 08, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Any mileage plan experts?
Replies: 8
Views: 979

Re: Any mileage plan experts?

You can use certain credit cards or other rewards programs to " top off" ( Chase rewards. Am ex rewards, SPG rewards) or you maybe can donate them back for charity which some airlines use for make a wish or other similar flights. At least they don't feel totally wasted. Also you may be able to get m...
by Maya1234
Sun Oct 08, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: 3x gross income = house purchase price, should interest rate be taken into account?
Replies: 26
Views: 2213

Re: 3x gross income = house purchase price, should interest rate be taken into account?

A traditional rule of thumb for home buying as been to use this formula: 3 * gross income = purchase price of home panchilly, 1) That is not a conservative rule of thumb. 2) A conservative rule of thumb would be House Price = 1/3 of Net Worth excluding the house. KlangFool Yeah not so much for us e...
by Maya1234
Sat Oct 07, 2017 1:37 am
Forum: Personal Consumer Issues
Topic: Best credit cards for our college kids? (credit building)
Replies: 9
Views: 624

Re: Best credit cards for our college kids? (credit building)

One of our kids was able to get a credit card through PNC bank because it had an arrangement with her university. The other we made an authorized user on a credit card we opened with Chase which she was responsible for. We used these cc as teaching tools emphasizing that a cc is a convenience which ...
by Maya1234
Fri Oct 06, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4130

Re: How do you value your time?

Flip the question around....if someone offered you $xx or $yy/hour to do something, would you do it? What is your threshold for taking on additional work? There is no reasonable amount of money someone could pay me to mow their lawn, fix their plumbing, or do their dishes. I wouldn't mow my neighbo...
by Maya1234
Thu Oct 05, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4130

Re: How do you value your time?

If it's something I enjoy or don't mind doing - my time is worth $0.00. If it's something I'd rather farm out, my time starts at $75/hour and goes up from there depending on aggravation level. +1 I do most of my own cleaning and laundry because I actually like doing it even though I could easily af...
by Maya1234
Thu Oct 05, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4130

Re: How do you value your time?

I'm the kind of person who parks a mile away to avoid paying $20 for parking. I recently got married so this behavior is creating a lot of conflict. My spouse believes in "paying for convenience". I need help in how to value my time so I can find some common ground with my spouse. If I take my annu...
by Maya1234
Thu Oct 05, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11364

Re: Millionaire Next Door (Thank you Bogleheads)

Congrats! You should be so proud!! I would find it so hard to be keeping my financial situation a secret from family and close friends. I'm lucky because I don't need to. Our family is all in similiar circumstances. We thus can discuss strategies and investment advice. My friends at work have done w...
by Maya1234
Wed Oct 04, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4343

Re: another 2 comma club member

Not only does our family know our two comma status ( my brother and h's brother help give us investment advice and are in similar circumstances ) but many of my work friends do also since they work on our estate plan and have worked on the administration of estates for my family members. No secrets ...
by Maya1234
Mon Oct 02, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6341

Re: Are credit cards rewards worth it?

I pay off my credit card as soon as it hits a certain balance. I don't wait til the end of the month. I also monitor my cc every day. Have for many years since electronic monitoring was possible. It will reduce your end of month feeling and may help you feel that spending is more like a debit card. ...
by Maya1234
Sat Sep 30, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Amazon Fresh & the value of your time
Replies: 25
Views: 2825

Re: Amazon Fresh & the value of your time

I haven't used Amazon Fresh but used Peapod many years ago, once when I was pregnant and on bed rest. The other when work was so crazy it was hard to get to the store. What I found was this: these services are great time savers and well worth the money when it comes to Dry Goods and packaged dairy/f...
by Maya1234
Fri Sep 29, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8829

Re: Where do you get your news?

I subscribe to The NY Times, Washington Post and Wall Street Journal and read daily. I also look at CNN and Fox News on a regular basis. When there's a big National story in some locale I will read the local paper. Read a lot of Houston Chronicle and Miami Healad during the recent storms, for exampl...
by Maya1234
Fri Sep 29, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Better chance to be accepted to state medical school if also attend undergraduate in the state?
Replies: 18
Views: 1408

Re: Better chance to be accepted to state medical school if also attend undergraduate in the state?

Ask the schools. They will likely tell you. Some schools favor state residents. Others don't. My daughter is a nursing student and schools were very upfront when asked if they favored in-staters. A few said yes but most said no which was surprising.
by Maya1234
Fri Sep 29, 2017 2:00 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11677

Re: The Rolex and The Boglehead

I wouldn't buy a Rolex because I would get no pleasure from it. After inheriting a not small fortune ( unexpectedly) this was the standard my husband and I set for spending. We thought about moving to a bigger home (we paid off the mortgage on our current house. It's worth about 6- 7% of our current...
by Maya1234
Fri Sep 29, 2017 12:37 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24952

Re: I won the Lottery. Need sound advice.

As someone who got a very unexpected windfall inheritance I can attest that the information here is great. I had no bad debt to pay off, but did pay off our Mortgage first thing. It is great to be debt free. But everyone here is right. A million dollars is not that much money. I inherited many times...
by Maya1234
Thu Sep 28, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: What should I do ( temporarily) with a lot of cash
Replies: 3
Views: 413

What should I do ( temporarily) with a lot of cash

I recently inherited a large sum from my aunt. My brother in law who is helping get things in order just told me that there were one last set of POD Cd's that i didn't even know existed. My BIL thought he had included this amount in the figures he gave me about what I was getting but it got left out...
by Maya1234
Wed Sep 27, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4679

Re: $700 to install a dishwasher seem by a plumber?!

They won't let ABT do the instal? ( for those who don't know ABT is a Chicago area base retailer who has consistently won kudos from Consumer Repoerts...my own experiences in the more than 40 years I have used' them are incredible) Given that they are one of the most reputable outfits in the country...
by Maya1234
Sun Sep 24, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 80
Views: 4541

Re: Do you subscribe to digital newspapers?

I have digital subscriptions to the NYTimes, Washington Post, Wall Street Journal and LA Times. I read them almost exclusively on my iPad which is nothing like reading on either a computer or phone. I hold the iPad much like a paper and while the pages are somewhat smaller than a real paper it's muc...
by Maya1234
Sat Sep 23, 2017 12:29 am
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 3073

Re: Should I even bother with buying a school picture?

I hated paying for that class picture when my kids were growing up. Always such a bad picture in which I thought they looked terrible. Only now that they are grown ..... these are among my favorite pictures. They probably captured what my kids often " really" looked like after a day of school/play. ...
by Maya1234
Tue Sep 19, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 554
Views: 211524

Re: TV show recommendations?

Grimm: zero interest in monsters/ fantasy. I watch it for the relationships romance. It's out-standing in this. Really
Burn Notice: Little interest in spies/action. Watch it for the relationships/romance. Sigh. Im sure most of you think I'm nuts.
by Maya1234
Mon Sep 18, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3545

Re: How much do you spend on "entertainment"?

We are empty nesters with high net worth (+5 mil) Entertainment as follows: Restaurants: $6000-7000/ year ( very little alcohol purchased) Plays: $500-1000/ year Streaming and cable: $3500 year ( We have EVERYTHING or almost. Premium channels, Netflix, Hulu, Acorn, Amazon Prime) Books: $500/year Mov...
by Maya1234
Sun Sep 17, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25309

Re: Name something you had to have and now you regret purchasing it?

About AARP: while the AARP discount at hotels usually no more than a few bucks, at a D.C. hotel We recently saved about $50 per night with an AARP number ( they did ask for card at check in)
by Maya1234
Wed Aug 16, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 5249

Re: What home task(s) are worth learning to do yourself?

For us. Nothing. I have a good friend who works with contractor /repair people every day and she steers us to the right people to do things for us. Have used same lawn service for 25 years. Same snow plow service for 20. For us, this is what money is for: making our lives easier.
by Maya1234
Sun Aug 06, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Buying a new TV. What do I need to know now?
Replies: 29
Views: 2637

Re: Buying a new TV. What do I need to know now?

We have used ABT for more that 30 years for all appliances. I live in Illinois so can't avoid the tax but they do negotiate for out of staters. They have been so impressive with regards to service over the years that we don't use anybody else. One example : I had an oven installed. It was right befo...
by Maya1234
Sun Jul 30, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: NYT: Buy more takeout and hire a maid, study suggests
Replies: 36
Views: 6165

Re: NYT: Buy more takeout and hire a maid, study suggests

After having aggressively saved for retirement and then obtaining a wholly unexpected large windfall inheritance, my husband and I have come up with the following guideline for spending: yes if will it make our lives better or easier. For us this has meant 1) No new bigger house. Our house which is ...
by Maya1234
Sun Jun 25, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Alaska Cruise
Replies: 5
Views: 794

Alaska Cruise

Thinking about Silverseas. Anyone have any opinions about that cruise line or would recommend another one? We've never done a cruise.
by Maya1234
Wed Jun 21, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall inheritance and new home
Replies: 20
Views: 1959

Re: Windfall inheritance and new home

First, thank you all for the great advice. My friend was right, you BH's know your stuff. I apologize for being both ambiguous and less than percise. My husband and I never consider our home in our net worth based on the feeling that hey you must live somewhere. And I've never counted the kids 529's...