Search found 323 matches

by getthatmarshmallow
Sun Jul 14, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 139
Views: 6494

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

Mr. Marshmallow went back to school at 36 for a computer science degree. If you like Accounting, go for it. Computer science has become my new first choice. It sounds very intimidating from all the information online from those who pursued this path. I've been out of school for many years and it lo...
by getthatmarshmallow
Sun Jul 14, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Invest in career change to Accounting for 37 yr old? Would it be foolish?
Replies: 139
Views: 6494

Re: Invest in career change to Accounting for 37 yr old? Would it be foolish?

Mr. Marshmallow went back to school at 36 for a computer science degree. If you like Accounting, go for it.
by getthatmarshmallow
Fri Jul 05, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5686

Re: Are you a serious DIYer?

Can I piggyback on my spouse's DIY skills? We redid the entire kitchen last year. He built all the cabinetry, rerouted plumbing and electrical, cut a hole in the roof for the new range hood We laid cement board and tile for the flooring, and did a backsplash that surrounds the entire kitchen. I'd p...
by getthatmarshmallow
Fri Jul 05, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Cleaning bugs off car bumper
Replies: 32
Views: 2289

Re: Cleaning bugs off car bumper

lthenderson wrote:
Thu Jul 04, 2019 11:13 am
Go to any car wash with a manual wash bay, plug in a quarter and clean them off in a few seconds.
This is what we've done on cross country trips. Easy peasy.
by getthatmarshmallow
Wed Jul 03, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5686

Re: Are you a serious DIYer?

Can I piggyback on my spouse's DIY skills? We redid the entire kitchen last year. He built all the cabinetry, rerouted plumbing and electrical, cut a hole in the roof for the new range hood We laid cement board and tile for the flooring, and did a backsplash that surrounds the entire kitchen. I'd pu...
by getthatmarshmallow
Tue Jun 25, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Wife considering returning to work
Replies: 40
Views: 4659

Re: Wife considering returning to work

I am posting to provide a contrary experience to many who have responded to you. I am the mom. We have a 17 month old son. I returned to work at 12 weeks. We had the option for me to stay home and opted not to take it. We didn’t really do it for financial reasons. It’s true I have a high earning po...
by getthatmarshmallow
Fri Jun 14, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1493

Re: Dental/Vision Insurance for Baby

Three years old for my first, which meant kiddo #2 was no additional cost. My dental is cheap. I'd advise a cleaning anyway - a regular check-up found an asymptomatic abscess in my kid's mouth (we surmise it was due to a fall.). Plus it gets them used to the dentist when the cleanings are easy and t...
by getthatmarshmallow
Fri May 10, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Help me pull the trigger-need to quit
Replies: 41
Views: 5309

Re: Help me pull the trigger-need to quit

Many, many people manage on $100K income a year without two million in the bank. See if you can move part-time if you want but you're fine to do whatever you want.
by getthatmarshmallow
Tue May 07, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 109
Views: 16061

Re: What if I Never Buy a House?

The networth of home owners is higher, but that correlation I suspect is explained by selection bias and the effect of forced savings (which should not be discounted for most.). And home ownership has been pushed as the responsible decision, too, which is also going to make the data noisy. What woul...
by getthatmarshmallow
Sun Apr 28, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: What are the cons of always being a one parent working household?
Replies: 134
Views: 8475

Re: What are the cons of always being a one parent working household?

The cons? Judging from the experience of my friends that are stay-at-home-parents, the hardest challenges are boredom (maintaining a house can be a lot of drudgery and children are precious but typically lousy conversationalists),financial insecurity, and difficulty re-entering the work force for th...
by getthatmarshmallow
Tue Apr 23, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Spouse On Board With Saving
Replies: 41
Views: 4016

Re: Getting Spouse On Board With Saving

The two of you need to figure out what your goals are. From your perspective, you think she's being unreasonable in wanting to live in the moment. From her perspective, she could be thinking, "I just spent nine years scrimping and saving through my education, and all I want is to be able to eat some...
by getthatmarshmallow
Mon Apr 22, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Housing: "Super Savers" vs. the "Rest"...
Replies: 85
Views: 9639

Re: Housing: "Super Savers" vs. the "Rest"...

Approaching this from another direction: LCOL, and our housing costs are about 15% of our take-home pay. We are at the point where we "should" upgrade to a larger house. We have 2200 sq. ft., two kids. But the consideration that keeps us here is that we *like* not being house-poor, and being able t...
by getthatmarshmallow
Mon Apr 22, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Housing: "Super Savers" vs. the "Rest"...
Replies: 85
Views: 9639

Re: Housing: "Super Savers" vs. the "Rest"...

Approaching this from another direction: LCOL, and our housing costs are about 15% of our take-home pay. We are at the point where we "should" upgrade to a larger house. We have 2200 sq. ft., two kids. But the consideration that keeps us here is that we *like* not being house-poor, and being able t...
by getthatmarshmallow
Mon Apr 22, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Housing: "Super Savers" vs. the "Rest"...
Replies: 85
Views: 9639

Re: Housing: "Super Savers" vs. the "Rest"...

Approaching this from another direction: LCOL, and our housing costs are about 15% of our take-home pay. We are at the point where we "should" upgrade to a larger house. We have 2200 sq. ft., two kids. But the consideration that keeps us here is that we *like* not being house-poor, and being able to...
by getthatmarshmallow
Fri Apr 19, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 58
Views: 3535

Re: College admission inputs - Purdue vs local SJSU vs others

It really depends on your finances. If money isn't a concern, then Purdue or Wisconsin. However, the difference between $19k/yr vs $44k/yr is significant. It is hard to compare SJSU vs Purdue. SJSU will be more of a commuter experience. It has a 10% 4-year graduation rate, which probably reflects t...
by getthatmarshmallow
Wed Apr 17, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: I’m a Loser Stuck in a Dead End Job
Replies: 63
Views: 8066

Re: I’m a Loser Stuck in a Dead End Job

Just would like to hear your thoughts, don’t have a friend or someone I can talk to about it. You don't sound like a loser. From what you've said, you clearly have your act together. You sound like someone who hates his job, doesn't know where to go next, and would probably benefit from finishing h...
by getthatmarshmallow
Mon Apr 15, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: Soon to be dad, how to prepare
Replies: 127
Views: 6393

Re: Soon to be dad, how to prepare

Congratulations! In terms of gear, all you really need is a safe carseat, and a safe crib for the baby to sleep. Nearly everything else is personal and optional, and beware the baby-industrial complex that will sell you literally anything. In terms of the baby itself, as Dr. Spock wrote : trust your...
by getthatmarshmallow
Sat Apr 13, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4349

Re: How to avoid throwing money at problems?

It might not be a bad thing to trade money for time with the family, given the schedule. How much would the expense set you back?
by getthatmarshmallow
Tue Apr 09, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is a work-at-home job have the same expectations as the office job?
Replies: 63
Views: 3597

Re: Is a work-at-home job have the same expectations as the office job?

With respect, I wouldn't have thought it the norm for most salaried professional jobs to have rigid breaks and lunches. In any case spouse works remotely, and he is expected to keep the majority of his hours during normal business hours, but there's a lot of flexibility. He usually starts at 6am, wi...
by getthatmarshmallow
Sun Mar 31, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10981

Re: Paying "early" on mortgage may be unwise

Avoid worrying about making extra payments and just take a 15 year loan. Sure your payments will be higher but your loan will be paid off in 15 year. Plus the loans are always cheaper. None of us like payments, so the faster you get the house paid off the more you get to put towards retirement fund...
by getthatmarshmallow
Fri Mar 29, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10981

Re: Paying "early" on mortgage may be unwise

I feel like this discussion is running together two separate thing under "early": 1) whether one saves on interest by paying one's mortgage payment ahead of the due date. 2) whether one saves on interest by paying down the principal faster. The argument in the OP is about 1), and it's correct that m...
by getthatmarshmallow
Thu Mar 28, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 162
Views: 10981

Re: Paying "early" on mortgage may be unwise

Is there a easy way to find out if extra paid on past payments when to principal or not? Plug in numbers to an online calculator and see where the principal would be at? We have 2 mortgages, 1 condo mortgage which is currently a rental. DW bought the condo and lived there for years before we met an...
by getthatmarshmallow
Thu Mar 21, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: When is it time for a new smartphone?
Replies: 66
Views: 4121

Re: When is it time for a new smartphone?

Swappa.com is the best place to find a secondhand phone. I also have had a lot of luck with unlocked refurbished phones on Amazon. Paid $125 for my Google Pixel.
by getthatmarshmallow
Sun Mar 17, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 7872

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

There are things the minivan can do that the CRV just can’t. I don’t see taking a week long beach trip with two kids and all the um, stuff needed in a CRV. Possible? Yes. Pleasant? Hmm. You can’t get 4x8 sheets of plywood or drywall in a CRV. You can’t get 40 bags of mulch in a CRV. You may or may ...
by getthatmarshmallow
Sun Mar 17, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 7872

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

You could afford it. But I don't see a pressing need to replace it (2013 CRV here) and your original plan makes sense.
by getthatmarshmallow
Fri Mar 15, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Switch from average day care to fancy one?
Replies: 31
Views: 2062

Re: Switch from average day care to fancy one?

I moved my kid to the fancier daycare at age 2, which was the earliest they'd accept kids. Her previous daycare was fine. She was safe, cared for, and loved. They read to her and played with her and she was happy. The new place is the local university's lab school, which costs about the same and is ...
by getthatmarshmallow
Thu Mar 14, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is my *entire* life financed when I have a mortgage?
Replies: 84
Views: 5816

Re: Is my *entire* life financed when I have a mortgage?

Yes, because money is fungible. But so what? Our mortgage is reasonable, and we are aggressively paying it down while maintaining a high savings rate. I can't see that I'd be better off renting in my market, or waiting until I had the cash to buy it outright.
by getthatmarshmallow
Wed Mar 13, 2019 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 6679

Re: Should I give more money to a family member?

With respect, the issue here seems to be less the will, and more the promise that the OP is backing away from. I can see the sister's point, even if she should have not counted on the money until she had it.
by getthatmarshmallow
Mon Mar 11, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Are academic enrichment courses for school age kids worth it
Replies: 61
Views: 3217

Re: Are academic enrichment courses for school age kids worth it

Lots of good replies and too many to quote. By way of explanation the private tutor arose because my oldest was not reading midway through kindergarten. ..... That's developmentally normal. Not ideal for bragging rights, but perfectly normal for even bright kids. The tutor had success, but if it wa...
by getthatmarshmallow
Sun Mar 10, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Are academic enrichment courses for school age kids worth it
Replies: 61
Views: 3217

Re: Are academic enrichment courses for school age kids worth it

An enrichment program could be worthwhile. But this sounds a lot more like keeping up with the Joneses. How much time do the kids get to be idle and explore their interests on their own? I think your fourth grader is telling you something important. The kid's learning to judge himself by percentile ...
by getthatmarshmallow
Tue Mar 05, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6774

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

You might have better luck at a four-year college, especially if the language class is meant to be a feeder to a study abroad program, where the emphasis is getting students talking. I studied French for a semester in graduate school, and from day one the entire class was in French. Immersion + home...
by getthatmarshmallow
Tue Mar 05, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Value of Vacation Experiences with Big Fam & Young Kids
Replies: 75
Views: 4488

Re: Value of Vacation Experiences with Big Fam & Young Kids

I'm not a vacation person at all (never did growing up, don't get where to start), but the advice above not to focus solely on the value of long-term memories is wise. I don't remember even every moment from high school trips, but that doesn't mean that I should have never left the house. Our vacati...
by getthatmarshmallow
Sun Mar 03, 2019 11:18 pm
Forum: Personal Consumer Issues
Topic: Advice on Grand Pianos?
Replies: 57
Views: 3172

Re: Advice on Grand Pianos?

OP here: 6. They have lots of Chinese customers who come from up and down the west coast to buy expensive pianos sans sales tax here in Portland. He says that almost every single Chinese customer who walks in the door refuses to buy Chinese pianos. They mostly want Yamahas or Steinways. Which I fou...
by getthatmarshmallow
Sat Mar 02, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Advice on Grand Pianos?
Replies: 57
Views: 3172

Re: Advice on Grand Pianos?

Not an expert, but I did buy a piano last year. You have the luxury of time. Some thoughts : 1) pianobuyer.com for reviews, and a sense of the lay of the land. Many solid pianos from newer brands. 2) With a budget of under ten, most would say you're better off with an upright, but if the teacher is ...
by getthatmarshmallow
Fri Mar 01, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Make-ahead "scalable" family meals
Replies: 16
Views: 1584

Re: Make-ahead "scalable" family meals

Lots of things like quiches, lasganas, shephards pies, enchiladas also fit the bill. Where they fit in the effort level is up to you:) To some extent I think your boredom is more from eating the same thing for 3-4 days in a row. Spread it out over 2-3 weeks and it will not feel like your eating the...
by getthatmarshmallow
Sat Feb 23, 2019 12:15 am
Forum: Personal Finance (Not Investing)
Topic: $50,000 executive MBA at a state school or $5,000 MBA at a regional school?
Replies: 46
Views: 4194

Re: $50,000 executive MBA at a state school or $5,000 MBA at a regional school?

Even if your company won't pay for it, you might want to get the founder's opinion on the two options you are looking at. Other than that, I thought that eMBA degrees didn't have as much prestige/influence as regular MBA degrees -- if that factors into your decision. Otherwise, I'd pick the one tha...
by getthatmarshmallow
Fri Feb 22, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: How to finance car purchase for teen
Replies: 60
Views: 2860

Re: How to finance car purchase for teen

So, I know you don't want to hear about used cars, and probably do want to hear about safety, but let me give you some real world experience. :oops: This was a 2011 Honda Civic: https://i.imgur.com/mdn2VSr.jpg?1 My 20 year old son fell asleep at the wheel and crashed into a light post at about 40 m...
by getthatmarshmallow
Mon Feb 18, 2019 4:51 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 130
Views: 8980

Re: How many bogleheads do you know in real life?

As far as the investment philosophy? It's never come up among acquaintances, although I've evangelized to family. As far as living beneath your means, etc., of my professional circle there's often some tells: knows about the 457b/403b, has plans to retire at 59.5, understands the HSA at work, offhan...
by getthatmarshmallow
Mon Feb 18, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a degree?
Replies: 73
Views: 4475

Re: Do I need a degree?

It sounds as if you don't need the degree to do your job, but that you might need your degree to get your job. Do you think you'll hold your job for the next 25 years? I teach at a regional state school that gets a lot of people in your position. Most of them are an absolute pleasure to teach. They'...
by getthatmarshmallow
Sun Feb 17, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Irrevocable 401(a) percentage choice
Replies: 15
Views: 640

Re: Irrevocable 401(a) percentage choice

It doesn't seem like she'd be risking much by electing 25% in the 401a, given your employment, emergency fund, and taxable investments. So while it may be irrevocable, functionally it doesn't really look all that different than deciding to save 25% of gross, which it looks like you're in a position ...
by getthatmarshmallow
Sun Feb 17, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 401
Views: 51107

Re: Losing a job in your 50's...

Yes, that was a good podcast episode. I enjoy Pete's take on things. He's much more balanced than many others, especially Dave Ramsay. Kudos to you CyclingDuo for stepping up and getting back in the game. You've demonstrated that losing a job in your 50s is not necessarily the end of the world. Tha...
by getthatmarshmallow
Fri Feb 15, 2019 12:25 pm
Forum: Personal Investments
Topic: Can't contribute to an IRA during grad school but still want to save
Replies: 20
Views: 924

Re: Can't contribute to an IRA during grad school but still want to save

When you said stipend, I assume you meant fellowship/scholarship (free money) and not money from a teaching assistant as some may refer to it as a TA stipend. As far as I understand, since being a TA involves work, it counts as earned income. https://ttlc.intuit.com/questions/3425546-graduate-stude...
by getthatmarshmallow
Wed Feb 13, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Ever heard of dentists sedating toddlers to fill baby teeth cavities?
Replies: 28
Views: 2483

Re: Ever heard of dentists sedating toddlers to fill baby teeth cavities?

My son needed a root canal at age four. His teeth were perfect, with no decay, and he hasn't had problems since. What caused the tooth to die? The dentist said 'Young boy? Probably trauma [i.e., ran into something]." We caught it only because of a routine cleaning, and elected to save the tooth to h...
by getthatmarshmallow
Wed Feb 13, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Newlyweds and joint accounts for household expenses
Replies: 120
Views: 5955

Re: Newlyweds and joint accounts for household expenses

My advice is always the same: the important thing is that you two genuinely agree to a plan, and that you revisit it when circumstances warrant it. Everything else is just accounting. If you don't trust each other, a joint account isn't going to save your marriage. We have joint bank accounts into w...
by getthatmarshmallow
Mon Feb 11, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: How do I keep from becoming irrelevant
Replies: 57
Views: 7530

Re: How do I keep from becoming irrelevant

Mind your health, and stay fit, in addition to improving your work related skills. There's a world of difference between being 63 and passing for 50 and being 63 and looking 70. Much of the health and appearance stuff is genetics, unfortunately. Of course -- there are no guarantees. But if one stay...
by getthatmarshmallow
Mon Feb 11, 2019 12:02 am
Forum: Personal Finance (Not Investing)
Topic: How do I keep from becoming irrelevant
Replies: 57
Views: 7530

Re: How do I keep from becoming irrelevant

Mind your health, and stay fit, in addition to improving your work related skills. There's a world of difference between being 63 and passing for 50 and being 63 and looking 70.
by getthatmarshmallow
Sun Feb 10, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: 2 years in community college, then transfer? need opinion please
Replies: 118
Views: 5765

Re: 2 years in community college, then transfer? need opinion please

Two things that come to mind: 1) It sounds like the credits will articulate, e.g., a course at the CC is honored at UT, and if he does well he's into UT 2) That is not necessarily the same as being accepted to the engineering college, which will likely have more stringent requirements. He needs to f...
by getthatmarshmallow
Fri Feb 08, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of college and 529
Replies: 642
Views: 25846

Re: Cost of college and 529

[/quote] How is maxing it later better than maxing it now? [/quote] It would be better to max it now, were that an option. But I can't max it now reasonably, regardless of what we set aside for college. (I plan to be within the next five years, but we're maxing the 457, two Roths, 401k. The 403b and...