Search found 238 matches

by Regattamom
Thu Apr 02, 2020 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10316

Re: Are your personal expenses down during stay home and shelter?

I have to ask, because $500/week for dining out is something I can’t even imagine, why? I don’t mean to be negative or harsh as obviously it’s affordable for you and by all means spend your money how you choose, I just can’t imagine that $26,000 yearly in food could easily be halved and saved in re...
by Regattamom
Wed Apr 01, 2020 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: College choice dilemma
Replies: 167
Views: 7655

Re: College choice dilemma

Vanderbilt.

But to previous posters, the OP said son got full tuition to Vanderbilt, not full ride. Room and board and other expenses would still need to be paid at Vanderbilt if it’s truly only full tuition.
by Regattamom
Sun Mar 29, 2020 2:18 am
Forum: Investing - Theory, News & General
Topic: The end of cruise ships [cruise line stock prices]
Replies: 246
Views: 26099

Re: The end of cruise ships

The odds of a shutdown of the Alaska cruise season this summer seem high. Do you have any basis for this comment? The last time I checked, Alaska was part of the US, so I can't understand why shutting down the Alaska cruises would be any different than banning all domestic airline flights. What am ...
by Regattamom
Wed Mar 04, 2020 12:33 pm
Forum: Personal Consumer Issues
Topic: Coronavirus: Why Are People Buying Water?
Replies: 61
Views: 4289

Re: Coronavirus: Why Are People Buying Water?

I think partly it's because people are also revisiting emergency supplies at a time like this. Where I live, you should have emergency water on hand for earthquake preparedness. And if you have to leave your home, you can't use the water in your water heater.
by Regattamom
Mon Mar 02, 2020 5:57 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296902

Re: Coronavirus and the market

Seattle now says 6 have died (+2 from this morning)... "At a news conference in downtown Seattle, County Executive Dow Constantine said he had signed an emergency declaration and is in the final stages of buying a motel where patients can recover in isolation. The motel should be available later th...
by Regattamom
Sat Feb 29, 2020 10:18 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25771

Re: [Why aren't forum members following the "Stay the course" approach?]

Thanks to all who replied with confirmation that the Boglehead philosophy is correct, especially Taylor. It's apparent to me now that my assumptions of the Boglehead forum were not correct. Wow. "... the Boglehead forum IS CORRECT"? Everything else is... WRONG? Not everyone drinks the same Kool Aid...
by Regattamom
Sat Feb 29, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25771

Re: [Why aren't forum members following the "Stay the course" approach?]

Thanks to all who replied with confirmation that the Boglehead philosophy is correct, especially Taylor. It's apparent to me now that my assumptions of the Boglehead forum were not correct. Wow. "... the Boglehead forum IS CORRECT"? Everything else is... WRONG? Not everyone drinks the same Kool Aid...
by Regattamom
Sat Feb 29, 2020 9:26 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25771

Re: [Why aren't forum members following the "Stay the course" approach?]

Thanks to all who replied with confirmation that the Boglehead philosophy is correct, especially Taylor.

It's apparent to me now that my assumptions of the Boglehead forum were not correct.
by Regattamom
Sat Feb 29, 2020 9:18 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25771

Re: [Why aren't forum members following the "Stay the course" approach?]

LadyGeek wrote:
Sat Feb 29, 2020 9:16 pm
FYI - I clarified the thread title.
Thank you.
by Regattamom
Sat Feb 29, 2020 8:49 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25771

Re: Disappointed in forum members

Silk McCue wrote:
Sat Feb 29, 2020 8:47 pm
Disappointed? SMH.

Cheers
Would you prefer a different word? Let me think...
by Regattamom
Sat Feb 29, 2020 8:37 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25771

Re: Disappointed in forum members

Staying the course sounds all well and good. Until you see your net worth evaporating and retirement going out the window. When that is the case it might be useful to remember Taylor Larimore's thread "Maximum Tolerable Loss" -- Not just a fear factor where he outlined when one should get out of th...
by Regattamom
Sat Feb 29, 2020 8:07 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25771

[Why aren't forum members following the "Stay the course" approach?]

[Title was "Disappointed in forum members" --admin LadyGeek] I expected more from the members on this forum. So many people asking about selling now and buying back in later and lots of people are agreeing it's a good idea. What happened to the Boglehead philosophy? Why be here if you don't believe...
by Regattamom
Sat Feb 15, 2020 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to consider quitting my job?
Replies: 128
Views: 14071

Re: Am I crazy to consider quitting my job?

My perspective: There is NOTHING more important than loving parents raising their children and teaching the family values that are important to the parents. That means if you can spend time with them showing you care, you value their activities by being there, you are there for the bumps and bruise...
by Regattamom
Wed Feb 05, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to build this house?
Replies: 38
Views: 4488

Re: Can we afford to build this house?

Looking back at your post from a little over a year ago:

Why did your target cost for a new home go from $1.5 - $1.7 million to $2.7 million in one year? That's a huge jump.
by Regattamom
Wed Jan 29, 2020 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on home purchase
Replies: 13
Views: 1699

Re: Sanity check on home purchase

No offense but in my opinion, it is 2020 - Why are so many wives not working when they could be contributing to income for betterment of the family situation down the road. Betterment of the family situation means different things to different people. It's not always about the :moneybag . Surely, y...
by Regattamom
Sun Jan 12, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Need ideas on what to do with deferred income to reduce EFC for college
Replies: 29
Views: 1425

Re: Need ideas on what to do with deferred income to reduce EFC for college

The issue I am running into is if colleges lower costs with "aid" that could already include the loans to $20k (roughly) and I can only afford $15k, what do I do? Get a home equity line of credit to pay the rest? Stop retirement savings? (someone suggested that higher up and that would free up mone...
by Regattamom
Sun Jan 12, 2020 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Need ideas on what to do with deferred income to reduce EFC for college
Replies: 29
Views: 1425

Re: Need ideas on what to do with deferred income to reduce EFC for college

The issue I am running into is if colleges lower costs with "aid" that could already include the loans to $20k (roughly) and I can only afford $15k, what do I do? Get a home equity line of credit to pay the rest? Stop retirement savings? (someone suggested that higher up and that would free up mone...
by Regattamom
Sun Jan 12, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Need ideas on what to do with deferred income to reduce EFC for college
Replies: 29
Views: 1425

Re: Need ideas on what to do with deferred income to reduce EFC for college

I don't think OP is trying to eliminate the income, just defer it. I understand the math, but I think the OP is creating other issues by jumping through all these hoops. OP - Take the raise from your boss, accept the money from mom and see what schools offer your daughter. It will all be fine in the...
by Regattamom
Fri Jan 03, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Getting married, spouse low/no-income. What to do?
Replies: 15
Views: 3132

Re: Getting married, spouse low/no-income. What to do?

I have not done the calculations, but I suspect that since she has no income, the tax reduction from filing as a married household will outweigh any kind of losses from those IRA or health things mentioned above. +1 And before this gets into a debate over whether it's better to have/be a SAHP, I wo...
by Regattamom
Thu Jan 02, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: Help me choose a pulmonologist
Replies: 50
Views: 4061

Re: Help me choose a pulmonologist

Ironically - good doctors have large referrals and take a long time to get in, and may spend only a brief time with you. On the other hand, an empty waiting room and a doc that spends 1 hour with you might seem great, but you have to wonder why they are so empty. Of course there are exceptions. Goo...
by Regattamom
Thu Jan 02, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: Help me choose a pulmonologist
Replies: 50
Views: 4061

Re: Help me choose a pulmonologist

I have found the specialists that I see through Facebook support groups dedicated to the health issue I have. I found this to be a much better way than reviews online. People in the group who have seen the doctors are available to answer your questions. Most Facebook support groups are closed or hav...
by Regattamom
Wed Jan 01, 2020 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: EFC of 59K?! That is more than my net pay
Replies: 227
Views: 12839

Re: EFC of 59K?! That is more than my net pay

Thank you, all. Good questions, - Yes, we are a single wage family - All of our savings have gone into 401K, Roth IRAs and the remainder into paying off the family home. So excluding the family home and retirement savings, we only have about 30k in assets (checking + savings accounts) - We saved ar...
by Regattamom
Tue Dec 03, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 14906

Re: High income and college costs question

College applications and acceptance can be highly variable and more of an art then science. They attempt to apply scientific principles and best practices based upon past experiences. Times change and so does what society places and emphasis as “important”. Today’s valuable skill may be obsolete or...
by Regattamom
Sun Dec 01, 2019 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 14906

Re: High income and college costs question

As noted, it’s likely much more perception than reality that English majors are struggling in the job market. A liberal arts degree is about teaching one to see the bigger picture, to make connections others have difficulty seeing, and additionally, about teaching one to have the interest and capac...
by Regattamom
Sun Dec 01, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 14906

Re: High income and college costs question

Why not major in something in demand and minor or take classes in something you enjoy? Heck, you could take art history or literature classes at the local community college after you graduate. I like having a high paying job and being in high demand field. Majoring in English or history is great bu...
by Regattamom
Sun Dec 01, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 14906

Re: High income and college costs question

I am just wondering why someone would choose an expensive mid tier private school and pay so much more? Going to a highly-rated small college (a few thousand students (or less)) is really an ideal atmosphere for a lot of kids. Colleges (as opposed to universities) don't have graduate programs and t...
by Regattamom
Sun Dec 01, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 14906

Re: High income and college costs question

"I was just poking a little fun. But, now I am curious what you agree with. And what you think I don't understand. Do you agree that students should "pursue their passion" rather than getting "job training"? That seems a reasonable position to take. Do you think someone goes to study the viola at Ju...
by Regattamom
Sun Dec 01, 2019 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 14906

Re: High income and college costs question

E.g., I saw in the Juilliard alumni magazine that one of its recent viola graduates was off to med school. That's cool. Hmm. I thought you wanted people to pursue their passion. It sounds like that would have been the viola. Instead he/she is pursuing some "job training". Kind of sad, right? :beer ...
by Regattamom
Sun Dec 01, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: How not to feel poor...
Replies: 78
Views: 13010

Re: How not to feel poor...

Your wife is ready to enjoy her life with you and her grown children. You are lucky to be healthy and in a marriage where your spouse wants to spend time with you and have fun together. If you won't do it for yourself, do it for her. You can afford some trips.
by Regattamom
Fri Nov 22, 2019 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Where/how to keep cash on hand or equivalent?
Replies: 55
Views: 4458

Re: Where/how to keep cash on hand or equivalent?

This post does not sit well with me. I would be very unhappy if I found out my spouse was hiding money from me. What kind of partnership is that? Good luck to your spouse.
by Regattamom
Sun Oct 20, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: SAT/ACT prep courses worth the money?
Replies: 47
Views: 3713

Re: SAT/ACT prep courses worth the money?

Thanks again to everyone for your replies. Lots of different ideas and perspectives and all very thoughtful.

I think we will look into finding a mature tutor with years of experience for some one-on-one tutoring while also practicing from the book.
by Regattamom
Sat Oct 19, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: SAT/ACT prep courses worth the money?
Replies: 47
Views: 3713

Re: SAT/ACT prep courses worth the money?

Thanks to everyone for the replies. I appreciate the thoughtful input.
by Regattamom
Sat Oct 19, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: SAT/ACT prep courses worth the money?
Replies: 47
Views: 3713

Re: What did you spend on prep courses for SAT/ACT?

Thanks for the replies. For those that posted the amount spent and whether it was worth the money, thank you. I am looking for perceived value of purchased prep courses and tutoring. It's great if you didn't spend anything on prep for your kids, but not helpful information to me. I am changing the ...
by Regattamom
Sat Oct 19, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: SAT/ACT prep courses worth the money?
Replies: 47
Views: 3713

Re: What did you spend on prep courses for SAT/ACT?

Thanks for the replies. For those that posted the amount spent and whether it was worth the money, thank you. I am looking for perceived value of purchased prep courses and tutoring. It's great if you didn't spend anything on prep for your kids, but not helpful information to me. I am changing the t...
by Regattamom
Sat Oct 19, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: SAT/ACT prep courses worth the money?
Replies: 47
Views: 3713

SAT/ACT prep courses worth the money?

Hello. This may be a hot topic right now considering what has come to light with the Varsity Blues scandal and with many schools opting out of requiring ACT/SAT scores or possibly making their schools test optional. I don't want to get into the politics of the issue or debate the validity of the tes...
by Regattamom
Thu Oct 17, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Should I take the job in OKC or Orlando?
Replies: 98
Views: 5964

Re: Should I take the job in OKC or Orlando?

I am from Oklahoma, my sister lives in Edmond, oldest child went to college in Oklahoma to my surprise. However, I would never move to Edmond or OKC. I don't know your political or religious affiliations, and I don't care, but I would consider the culture of the cities especially if raising children...
by Regattamom
Mon Oct 14, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Providing for a adult child with serious illness
Replies: 11
Views: 1782

Re: Providing for a adult child with serious illness

OP, I will send you a private message.
by Regattamom
Tue Oct 01, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 15425

Re: Willingly going from lucrative job to unemployed?

How will your girlfriend get by while you are traveling the world? Does she have her own $2 million saved up or will you pay for her expenses? How will this affect her job situation?
by Regattamom
Mon Sep 30, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance - Chase Sapphire Reserve
Replies: 12
Views: 1357

Re: Travel Insurance - Chase Sapphire Reserve

Thanks everyone. I continued to research credit cards this morning and CSR came out the winner. I applied and was approved with the 50,000 bonus points. Research Med, as far as I can tell, they haven't changed their travel insurance benefits. The annual fee of $450 seems hefty at first, but when you...
by Regattamom
Mon Sep 30, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance - Chase Sapphire Reserve
Replies: 12
Views: 1357

Re: Travel Insurance - Chase Sapphire Reserve

I have used it without problem as long as the claim was within the scope of the coverage. By this I mean that we were reimbursed for a cruise for my husband and I which we charged to the card when I had a severe stomach flu hit me a few days before we sailed. Another time, I was reimbursed for my p...
by Regattamom
Mon Sep 30, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance - Chase Sapphire Reserve
Replies: 12
Views: 1357

Travel Insurance - Chase Sapphire Reserve

Has anyone used the travel insurance benefits that come with their Chase Sapphire Reserve? What was your experience? Looking at getting the card for some upcoming trips.

Thank you.
by Regattamom
Tue Sep 17, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend money to gain time? (young family)
Replies: 155
Views: 12165

Re: How do you spend money to gain time? (young family)

So I take it that your wife is a SAHM? Instead of paying to have people clean, cook, etc.. it may be more cost effective to hire a mother's helper. A tween or young teen from the local area that will come over to keep an eye on the kids and play with them while your wife is able to get the cooking a...
by Regattamom
Mon Sep 09, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Moving Back to the Land. Should I cash out IRA or Finance the House
Replies: 17
Views: 1397

Re: Moving Back to the Land. Should I cash out IRA or Finance the House

I would get a mortgage. If you don't have to be in Seattle, look north or south about an hour and you can still have access to the water for a lot less money. Getting to Seattle on weekends for concerts, theater and games isn't too hard. Or move to one of the islands and get a motor boat to access S...
by Regattamom
Thu Aug 22, 2019 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 18662

Re: White collars- How much is your work downtime?

Does travel count as "work" in this evaluation? Because if you did, my husband would be at -50 to -65 percent. It's a drag but the air miles and other perks are nice.
by Regattamom
Thu Aug 22, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 21139

Re: Selective Colleges

an_asker wrote:
Thu Aug 22, 2019 8:48 pm
Regattamom wrote:
Thu Aug 22, 2019 5:55 pm
[...]
I agree with Hedgefundie. It's the person, not the major or the school.
[...]
My takeaway from Hedgefundie was that it was the school, not the major or the person. Hedgefundie??
Maybe Hedgefundie will clear this up. Regardless, I believe it's the person before major or school.
by Regattamom
Thu Aug 22, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 21139

Re: Selective Colleges

What is curious to me about this thread is that there are fewer parents of college students & graduates participating than I expected. These parents have gone through this with their young adults recently and started long threads on the subject. It is almost as if they figured out after the fact th...
by Regattamom
Thu Aug 01, 2019 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: A note on spending for kids
Replies: 148
Views: 12384

Re: A note on spending for kids

Why does anyone care what others spend on their kids and why they spend it? I see it the same as anything else. It's a choice they make and even though I may disagree with that choice, it's not my concern. I have enough on my hands managaing my own affairs.
by Regattamom
Fri Jul 05, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: 50-60k boat purchase??
Replies: 84
Views: 6612

Re: 50-60k boat purchase??

Two best days in a man’s life are the day he buys the boat and the day he sells the boat... Sorry you did not like boating - for us it is a great opportunity and pastime with irreplaceable memories. I’ve never had a boat but I’ve heard it many times from people that have. Maybe you should stop repe...