Search found 95 matches

by Maya1234
Wed Oct 17, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 99
Views: 7338

Re: Where would you go for financial guidance if you win the Megamillions?

I'm an attorney with a commercial law firm and one of my partners regularly represents lottery winners. He sets up the trusts and estates and other things and then directs them to a handful of financial planners who he gets no referrals or incentives from because he feels that is importan and who do...
by Maya1234
Wed Oct 17, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 49
Views: 4278

Re: Best way to complain about Hertz bait-and-switch?

Twitter is one of the best ways to reach a company with a complaint. I find I get responses most of the time. Probabky 80 percent. It works best though if you have a number of followers. If you don't but you have a an teen/ adult kid who does that can work too. If not I'd try it yourself
by Maya1234
Sun Sep 02, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: How's our family portfolio and am I crazy for considering a huge pay cut?
Replies: 16
Views: 1525

Re: How's our family portfolio and am I crazy for considering a huge pay cut?

how much will child care be? i would pay back family asap but thats me. can you go part time where you are instead? Child care will be $0 as wife will go back to work when youngest starts kindergarten in a few years. Both kids will be in public schools so cost there will be $0 also. Your wife knows...
by Maya1234
Thu Aug 23, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22296

Re: Did you celebrate when you finally hit $1m?

As an aside, we have never mentioned our net worth to anyone we know, since nothing positive could come from that. Comments like this make me realize what a bubble we live in. Most of our relatives, many co-workers and close friends have net worth similiar to or greater than us and we have passed t...
by Maya1234
Thu Aug 23, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Varying college costs across kids in the same family
Replies: 92
Views: 5232

Re: Varying college costs across kids in the same family

We are in this situation and we had no desire to incentivize our kids to spend less than exactly what they wanted for the school that they wanted. For us, who are fortunate enough to have plenty, education was the number one thing we wanted to spend money on, after our retirement. We economized and ...
by Maya1234
Wed Jun 13, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5622

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

Celebrate? Since Daughter potty trained the week before we went to Disney my reaction was OMG...NO! I knew I'd have to hussle her to a bathroom any time she had to go. Our first day there I made her wear a pull up " just in case." A,d when I was standing with her in a long long women's bathroom line...
by Maya1234
Sun Jun 10, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Gift to Son and Effect on Gift Tax
Replies: 35
Views: 3397

Re: Gift to Son and Effect on Gift Tax

No need to fill anything really. Just give his fiancé the car and pay off the loans.
by Maya1234
Wed Jan 24, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 10690

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

Lol. If it were up to me I’d probably still be using my iPhone 4 ( first smart phone). But I don’t pay for my phone. My employer does and we are onky allowed to have Apple and given new one every 2 years.
by Maya1234
Tue Jan 23, 2018 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 10593

Re: Working in the real world

Some of us just get lucky. I've worked part time about 20 hours a week for years and make over $ 100,000. I'm a lawyer and very few lawyers can make part time work, work, but I was in the right time and place. Before I had kids I became a good writer/ researcher. Now all I do is appellate work which...
by Maya1234
Mon Jan 22, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 79
Views: 6156

Re: Discussing a 529 with your kids

My nephew attended an Ivy at full pay much to the disdain of my FIL who didn't know why he couldn't have gone to a lower tier school with merit. He would bug the kid who was a English major with "An Ivy only matters if you want to go into investment banking. I assume an English major doesn't want to...
by Maya1234
Sun Jan 21, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 79
Views: 6156

Re: Discussing a 529 with your kids

We saved our money ( relatively high salaries) and lbym for 2 reasons: 1) retirement 2) education When our kids were in high school we told them they could go to whatever college they wanted. No loans necessary. And my daughter said “Oh so that’s why we almost never go on vacation and our house is s...
by Maya1234
Fri Jan 19, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Have you or anyone you know actually used umbrella coverage?
Replies: 34
Views: 3923

Re: Have you or anyone you know actually used umbrella coverage?

Well I’m an attorney who does a fair amount of policyholder work. Most of my work involves business policies. But my firm also represents a lot of medium sized entrepreneurial businesses and when one of the individuals has a personal claim involving their umnrella policy I’m brought on board to make...
by Maya1234
Thu Jan 11, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 5295

Re: A half year off at full pay or a full year off at half pay?

Have you really thought about the effect a change of schools would have on your kids? And then the fact that they’d come back and have to start over once again? No school is good enough for doing that to my kid to be an incentive. Of course some children face school changes becuae of their parents j...
by Maya1234
Wed Jan 03, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Recommend me a backpack for business use
Replies: 21
Views: 1752

Re: Recommend me a backpack for business use

A lot of our clients are in branding / marketing businesses and the Tumi backpack would be one of the few ( other than high fashion lines) that we’d feel comfortable carrying in to a client meeting.
by Maya1234
Mon Jan 01, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9734

Re: Keeping a checkbook register

Don’t keep a checkbook. I pay my bills on the day they come in via online bill paying ( not auto pay). I write 2 checks a year for real estate tax. EVERYTHING else is via electronic payment or I make a check request online from Chase. The money is withdrawn from my account immediately and a check se...
by Maya1234
Mon Jan 01, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Are you generous? If so, why?
Replies: 7
Views: 1311

Re: Are you generous? If so, why?

I used to consider myself a fair tipper ( 20%) and someone who gave an adequate amount to charity (about 10k per year on a 180k family income) Then I received an unexpected windfall inheritance from my aunt who was a notoriously bad tipper and never gave a thing to charity. I now feel like I need to...
by Maya1234
Mon Jan 01, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Long Term House—Any Regrets on things you didn’t do?
Replies: 48
Views: 6797

Re: Long Term House—Any Regrets on things you didn’t do?

Things we added that I realized were a "must have" after living here: 1) Big Mudroom with bench and lots of storage. Direct entry from garage. 2) Don't have room for a 3 car garage but a parking pad next to the driveway has been a huge plus 3) Remodel of kitchen with mostly deep drawers Biggest thin...
by Maya1234
Mon Jan 01, 2018 1:30 am
Forum: Personal Consumer Issues
Topic: Checked bag to HI, worth cost and trouble?
Replies: 36
Views: 2937

Re: Checked bag to HI, worth cost and trouble?

pay the $ for luggage, otherwise you'll just waste time at wallyworld trying on clothes and buying shampoo. +1 I would never travel (which I despise in the first place) anywhere.....and I mean anywhere...for >5 days without enough "STUFF". DW says "just wash a few clothes in the sink it the bathroo...
by Maya1234
Sun Dec 31, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 870
Views: 94887

Re: Netflix, Your Current Favorite Show

I think I'm the last person on earth that cannot get into all these TV shows. Netflix used to be movies, but its getting harder and harder to find actual movies. Just more and more TV shows. I cannot watch these because there is no closure. I tried breaking bad and walking dead at the recommendatio...
by Maya1234
Wed Dec 20, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Any last minute shopping ideas for a spouse?
Replies: 22
Views: 2510

Re: Any last minute shopping ideas for a spouse?

I would be careful about the Vera Bradley. I bought it for years, but the last year or so they changed the straps and interfacing. The interfacing at least in the products I bought (and returned) is now a hard plastic and in more places that the old interfacing. So it makes the straps uncomfortable...
by Maya1234
Tue Dec 19, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 5364

Re: opinions requested on student college decision / financial related

[Disclaimer: I attended private colleges as a scholarship student, but I am employed (not as a nursing instructor) at a state school with a great nursing program. ] $0.02: First, congratulations to your daughter. This is a good problem to be having, and one that's the result in part of her hard wor...
by Maya1234
Tue Dec 19, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 5364

Re: opinions requested on student college decision / financial related

“HOWEVER, why aspire to become RN or PA unless the person believes that one is not capable of being a P herself? And if so, why the lack of confidence? It makes no sense to have that as a career path IF THE PERSON HAS THE TALENTS (being top of the school proves that) and THE PARENTS HAVE THE MONEY T...
by Maya1234
Tue Dec 19, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 5364

Re: opinions requested on student college decision / financial related

Is the state school direct admit to nursing? If not and the privates are, I'd do the privates. And vice versa. What are the clinicials like? If one of the schools requires significant travel for clinical I'd avoid them. As for the poster who asked about why not a doctor, those professions are often ...
by Maya1234
Sun Dec 17, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Buying a new sofa with two young kids?
Replies: 36
Views: 2903

Re: Buying a new sofa with two young kids?

We bought a leather couch when my daughter was a baby. It survived everything. We had a no eating outside the kitchen rule but like someone said, kids get sick, non food stuff gets spilled ( glitter from inside a card, paint rubbed off an art project that appeared dry). The leather has stood up to i...
by Maya1234
Sat Dec 16, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 19772

Re: Save all this money, what do you splurge on?

Vow, where do these non-bogleheads and non-frugal people come from? To me a boglehead is someone who understands the need to start saving early in life, uses a 3 fund strategy and lives below their means. Those who have done so and accumulated wealth can certainly splurge on a few items from time t...
by Maya1234
Wed Dec 06, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 25520

Re: Do people still use AAA?

We stay at a hotel when we visit our daughter that gives a $50 night discount for AAA ( most hotels it only $10 or less). That itself covers the cost so it's a no brainer. We enjoy the magazine to and have used the service a few times which was very good.
by Maya1234
Tue Dec 05, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 8464

Re: Lowering My Grocery Bill

Well if it makes you feel any better my bill is higher than your for 2 people about $575/month . That does not include eating out once a week. But this is because we don’t care at all what we spend on food. That’s what we have money for . We buy whatever we want. Shop mostly at the local big chain, ...
by Maya1234
Fri Dec 01, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 13945

Re: Price of haircut?

All these posts remind me of when a few years ago, my partners( I'm an attorney) were doing a big case and we had a mock jury hired by our jury consultants. One of my partners was a good looking guy who looks like Jason Bateman, same great hair and he dressed beautifully and has expensive salon hair...
by Maya1234
Fri Dec 01, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: The College Bubble - investment opportunities after the collapse?
Replies: 114
Views: 9625

Re: The College Bubble - investment opportunities after the collapse?

I don’t see it. I have had two kids study things that they simply could not have on line because they engaged in hands on learning: electrical engineering and nursing. Moreover both were at top universities where they had the opportunity to make connections and engage in extra-circulars that enhance...
by Maya1234
Thu Nov 30, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 13945

Re: Price of haircut?

$80 plus $20 tip. I’m a woman and only get it cut every 3-4 months. Bang Trims in between are free.
by Maya1234
Thu Nov 30, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 6795

Re: How Do You Stay Current With Popular Music?

Current pop is inane, repetitive, derivative. Isn't that what every older generation says about the current music? Yes, but it's different this time :mrgreen: . Seriously, watch the video. Here are the top 10 songs this week. Contrary to the claim in that video that it’s very hard to find pop music...
by Maya1234
Thu Nov 30, 2017 5:42 pm
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 4228

Re: housing for in-laws

I can't even stand to have houseguests for a night because I need my space so I'm very sympathetic to your feelings. Any arena near you with coach houses on the property? That would obviously be the best solution.others? Build one of those tiny homes on the property of a new home? Look for a ranch h...
by Maya1234
Thu Nov 30, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 6795

Re: How Do You Stay Current With Popular Music?

Current pop is inane, repetitive, derivative. Isn't that what every older generation says about the current music? Yes, but it's different this time :mrgreen: . Seriously, watch the video. Here are the top 10 songs this week. Contrary to the claim in that video that it’s very hard to find pop music...
by Maya1234
Thu Nov 30, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 6795

Re: How Do You Stay Current With Popular Music?

1. My kids. They got me into Imagine Dragons who I really love
2. Radio
3. The React channel on you tube. . Especially it’s “ Do Parents know modern Music?” ( they also have Do Parents Know Modern Slang?” That’s a really fun way to keep up)
by Maya1234
Tue Nov 28, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 5759

Re: Luggage Update for Travel

I'm not a light packer. Don't want to be. Have never had a problem with checking luggage in many years of regular business travel. Also have never ever spent one minute doing laundry on vacation.
by Maya1234
Tue Nov 28, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 5024

Re: Paying for news?

I know I'm an outlier but I pay for my news. I am. A voracious reader of news and subscribe to the WSJ, Washington Post, LA Times, and Ny Times. I feel each is a purchase well worth the price. The one newspaper I would subscribe to if reasonably priced but feel is just vastly overpriced is The Bosto...
by Maya1234
Sun Nov 26, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help my kids pick a charitable cause
Replies: 19
Views: 1051

Re: Help my kids pick a charitable cause

No offense, but is it really teaching them to be generous if they are giving away your money? That said, I treat our kids as an advisory board for our Donor Advised Fund. They help choose the charities, set the spending policy, and keep an eye on the investments. I think it has been more helpful to...
by Maya1234
Sun Nov 26, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 22291

Re: The fallacy of spending money on "experiences" vs hard assets

Imo, Good misconception on the original post. Try spending 3 weeks in italy or spain or thailand and see how your perspective of life changes. Your vacation or experience spending never returns a negative yeild, whereas some of your hard assets like stocks, real estate can crash and be pennies on t...
by Maya1234
Sat Nov 25, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Furniture
Replies: 22
Views: 2426

Re: Furniture

I have wanted a high priced sofa after I spent some time at my best friends parents house. Their house is very small but her dad has excellent taste and a great " eye" ( he was a creative director at an ad agency). Everything they have is beautiful and practical. The first time I sat on their couch ...
by Maya1234
Sat Nov 25, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 4558

Re: Should I keep the new iPad I bought or return it?

My philosophy on returns is, the sooner the better. You wait around delaying your decision, and then you commit in your mind to returning it and can't find the receipt. Although stores nowadays are pretty good on returns, I always feel better if the device looks as if it hasn't been used much. Some...
by Maya1234
Sat Nov 25, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 22291

Re: The fallacy of spending money on "experiences" vs hard assets

I think the OP is correct that there has been an upsurge in the last 5 years or so of media which lauds experiences over things. A search of the nexis data base that I have access to confirms this. As the OP said much of this is based on travel " experiences". There is a failure in these articles to...
by Maya1234
Sat Nov 25, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 4558

Re: Should I keep the new iPad I bought or return it?

I literally use my iPad every day for hours. As to why one needs it AND a laptop ... well I don't want to lie in bed and read a book with my laptop or read the newspaper on it while I'm sipping coffee At the table Or as I'm doing now surfing the web on the couch. I want something I can hold in my ha...
by Maya1234
Wed Nov 22, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 3286

Re: Christmas gifts for lots of kids (experiences or stock)?

Kids like stuff! My gifting strategy for both kids and adults is to buy them something somewhat expensive for what the item is that is high quality. My neices have loved their Magna -tiles and Melissa and Doug Wooden Foods play sets. These are both high priced fir the type of item you are getting bu...
by Maya1234
Wed Nov 22, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Making collegebound Kid Financially Savvy Questions..
Replies: 54
Views: 4517

Re: Making collegebound Kid Financially Savvy Questions..

I found the best way to make my kids financially savvy was to talk a lot about what we did. We got them both credit cards ( our account, they were authorized user) in high school. They were responsible for paying the bills and we taught them that not paying in full isnt even an option. We also set t...
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: 221
Views: 19857

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: 94
Views: 7517

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: 2568

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: 3574

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: 20749

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: 20749

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 ...