Search found 364 matches

by Hillview
Sun Nov 03, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Where to get good women’s suits?
Replies: 7
Views: 741

Re: Where to get good women’s suits?

Nordstrom’s
Ann Taylor
Theory
by Hillview
Fri Nov 01, 2019 5:53 am
Forum: Personal Consumer Issues
Topic: 40th Anniversary Travel Ideas
Replies: 26
Views: 1973

Re: 40th Anniversary Travel Ideas

Paris Rome Vienna Tuscany (short drives to lovely villages every day -- we did this for our honeymoon and it was lovely) Florence (you could look at the David statue for 2 days and not get bored) South of France (Nice area) and take a day trip or 2 nights in Monaco I don't love Germany for holiday -...
by Hillview
Thu Oct 24, 2019 6:35 am
Forum: Personal Consumer Issues
Topic: Jump rope recommendations
Replies: 9
Views: 655

Re: Jump rope recommendations

Husband has this http://mil-specropes.com/index.php?route=product/product&path=61&product_id=64 Got it at a Crossfit event. He has had 3 others but this one has passed the test of time. He has used it for4 years. He uses it several times a week and takes it to a gym and back as well as on business/v...
by Hillview
Sat Oct 12, 2019 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Working in a different city
Replies: 32
Views: 1966

Re: Working in a different city

a 100k increase seems like a lot but what would it cost to rent a place in other city or take a hotel room plus food and utilities (if you rent)? I feel like after taxes that might be a consideration that the 100k might not be an increase to you HH income. From a lifestyle point of view as someone w...
by Hillview
Fri Oct 11, 2019 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Purchasing an old home 100yrs +
Replies: 33
Views: 2305

Re: Purchasing an old home 100yrs +

we have a 100+ year old house. It was in pretty good repair but we needed to - replace the roof - replace the gutters - regrade the backyard All of this got rid of flooding in the basement then we - updated the electric (it was not knob and tube we just needed more power for an AC unit) - renovated ...
by Hillview
Tue Oct 08, 2019 6:05 am
Forum: Personal Finance (Not Investing)
Topic: relocating across country
Replies: 47
Views: 3257

Re: relocating across country

the job is for me not my husband :) thanks all for your feedback. Isabelle your break out of spend is spot on what we are looking at. Thanks!
by Hillview
Mon Oct 07, 2019 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 140
Views: 9409

Re: Car price ratio to NW

about .03% both paid off. That said I am annoyed by the cost of routine maintenance on one of them and should have considered that more carefully. I can afford it but it annoys me a lot.
by Hillview
Sun Oct 06, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! Parents have $0 for retirement - how can I keep them afloat??
Replies: 49
Views: 8468

Re: HELP! Parents have $0 for retirement - how can I keep them afloat??

I was in this situation 15 years ago. We moved them into a house with us and then a year later purchased a 2 family house and moved all of us to this house. We drastically reduced our run rate to accommodate their bills. We helped them manage their run rate to a degree (they were never good with fin...
by Hillview
Sun Oct 06, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: relocating across country
Replies: 47
Views: 3257

Re: relocating across country

thanks all! The 220k includes tax so it is grossed up. This is the max amount and is not cash in hand. I can't sell everything and buy 220k of stuff for example (they allow me to buy up to 20k of appliances if needed in new house) the language is that I neither make nor lose money in the move. It al...
by Hillview
Sat Oct 05, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: relocating across country
Replies: 47
Views: 3257

Re: relocating across country

Hi all wise Bogleheads. I am anticipating a relocation from New England to San Diego. Any words of wisdom on making a relocation as easy as possible for a family. Fortunately the finances seem to be well placed and the relocation budget I've been given is 220k which seems very generous. Thank you! ...
by Hillview
Fri Oct 04, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: relocating across country
Replies: 47
Views: 3257

Re: relocating across country

220k is not a typo it is the package. I don't have the details but the language says "intended that you don't make or lose money in the relocation" I live in a HCOL, have a 4700 sq foot house (including my mom's apartment) and we have 3 cars including her car.
by Hillview
Thu Oct 03, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: relocating across country
Replies: 47
Views: 3257

Re: relocating across country

Hi all wise Bogleheads. I am anticipating a relocation from New England to San Diego. Any words of wisdom on making a relocation as easy as possible for a family. Fortunately the finances seem to be well placed and the relocation budget I've been given is 220k which seems very generous. Thank you! ...
by Hillview
Thu Oct 03, 2019 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: relocating across country
Replies: 47
Views: 3257

relocating across country

Hi all wise Bogleheads. I am anticipating a relocation from New England to San Diego. Any words of wisdom on making a relocation as easy as possible for a family. Fortunately the finances seem to be well placed and the relocation budget I've been given is 220k which seems very generous.
Thank you!
by Hillview
Sun Sep 29, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Success stories of NOT buying more/too much house
Replies: 109
Views: 18304

Re: Success stories of NOT buying more/too much house

14 years ago we moved from the city to a suburb. We went from a over extended mortgage WITH condo fees to one that was about 40% less and no condo fees. Our current house is also in an area where we are not keeping up with the Jonses. We did this with the idea that we could afford the house on one s...
by Hillview
Mon Sep 23, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 9444

Re: Physical activity suggestions for a non athletic youth

consider walking, american ninja warrior is big where we live (classes), rock climbing (indoor gyms abound), crossfit is fun and crossfit kids is also a big opportunity in some areas, personal trainer.
by Hillview
Fri Sep 20, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Making Psychological Shift to High Deductibles, Funded HSA
Replies: 30
Views: 2053

Re: Making Psychological Shift to High Deductibles, Funded HSA

We did it this year and no regrets. Family of 4. We maxed out our deductible and are now covering a small copay. The out of pocket max and deductible are off set by the HSA tax advantage and are essentially a forced savings for us which is a good thing. We can afford to cash flow our medical expense...
by Hillview
Sat Sep 14, 2019 11:22 am
Forum: Personal Consumer Issues
Topic: Laptop for a child?
Replies: 19
Views: 1417

Re: Laptop for a child?

it really depends on what you need and how much $ you have. You can get an iPad with a very rugged case that will work for what you described (unless you expect the child to type a lot). You could consider a chromebook if you want a laptop (it has no file storage). I got my son (12) this https://www...
by Hillview
Thu Sep 05, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have disability insurance?
Replies: 37
Views: 1936

Re: Do you have disability insurance?

I have LTD insurance (own occupation, non cancelable). It is expensive I have the max amount. I think you are more likely to be disabled than to die young.
by Hillview
Thu Aug 29, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: What to let kids buy?
Replies: 50
Views: 4279

Re: What to let kids buy?

we have 2 kids and they are polar opposites in terms of how they spend their money. Kid 1, now 14 has decided to mainly save and invest his money. He purchased shares Apple, iRobot and Shake Shack when he was <10 and has now moved to Vanguard whole stock market index (VOO) and also has about 1/3 of ...
by Hillview
Sun Aug 11, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Mentoring in the office - what to expect?
Replies: 25
Views: 2939

Re: Mentoring in the office - what to expect?

My best interactions with mentees is when they come with some general topics of interest and then some specific questions (which of these 2 projects sound like a better opportunity? how do I ask my boss for a promotion/am I ready for a promotion?)
by Hillview
Mon May 06, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with variable bonus?
Replies: 24
Views: 1940

Re: What do you do with variable bonus?

Sometimes a big project that is on the wish list (eg paint the interior of the house) and then to taxable for retirement.
by Hillview
Sun Apr 28, 2019 7:22 am
Forum: Investing - Theory, News & General
Topic: HSA AA/Location - What you do and Why ?
Replies: 18
Views: 1478

Re: HSA AA/Location - What you do and Why ?

HSA is 100% equities. I don't use it for annual medical bills, it is planned for use during retirement, potentially years into retirement. It is invested in SPDR® Portfolio Total Stock Market ETFNYSE Arca:SPTM at TD Ameritrade with .03 expense ratio It is a new tool in my portfolio (I have a new job...
by Hillview
Wed Apr 24, 2019 8:10 pm
Forum: Personal Investments
Topic: 14 years old and looking for investment advice
Replies: 37
Views: 3790

Re: 14 years old and looking for investment advice

HI good job! My 13 year old started investing by picking some stocks he liked (he picked Apple, Shake Shack and a solar panel company) as he learned more about investing he is now investing in an index fund (Vanguard total stock market). He does not plan to get the money out til after he is 18 so he...
by Hillview
Wed Apr 24, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Business Finance Book
Replies: 4
Views: 498

Re: Business Finance Book

Thank you both. I wonder if there is a good online accounting class I can take. I will do some searching (and if anyone knows of any love to hear about them).
by Hillview
Mon Apr 22, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Business Finance Book
Replies: 4
Views: 498

Business Finance Book

I am looking for a good book or two on corporate business finance. I have read numerous books on personal finance and while I have a good grasp of some of the basics I find I am sometimes not following the discussions at work. I am interested in topics like revenue recognition, bookings, margin, E/R...
by Hillview
Sun Apr 14, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 65
Views: 7949

Re: Buying nightguards (teeth grinding)

I have one from my dentist it was about 400 and I love it
by Hillview
Wed Mar 20, 2019 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Dental care for mother-in-law with low income
Replies: 26
Views: 2616

Re: Dental care for mother-in-law with low income

We are in Mass and there is a Medicare plan for dental work that was worth it for my mom who is on fixed income and in the market for a lot of expensive dental work.
by Hillview
Tue Mar 12, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: Sports team season tickets
Replies: 45
Views: 4671

Re: Sports team season tickets

did it with red sox tickets and it was a total pain and I barely broke even. Not worth it.
by Hillview
Sat Mar 02, 2019 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: what are the most important financial goals for you
Replies: 24
Views: 2045

Re: what are the most important financial goals for you

Save for retirement while still enjoying life with the family
by Hillview
Sat Mar 02, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?
Replies: 196
Views: 15537

Re: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?

This is if we stay in our current (large) house, I have a different calculation if we move and rent (11.2k per month). Medical Insurance $2,000.00 Vacations/Travel $1,000.00 Groceries $1000/mo $1,000.00 Dining Out $1000/mo $1,000.00 Tax: Property 12k $1,000.00 Utilities $1,000.00 New Car/New applian...
by Hillview
Fri Mar 01, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: What vacation travel "extras" do you find worthwhile? (and why?)
Replies: 43
Views: 4835

Re: What vacation travel "extras" do you find worthwhile? (and why?)

day trip to london spend night in sofitel on to other places in europe does a lot of jetlag car service to the airport and home from airport global entry VRBO and not a hotel if at a hotel eat out of hotel even for coffee/breakfast, hotel breakfast is $$ and you are not enjoying your location privat...
by Hillview
Sat Feb 16, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: What are your best retirement years?
Replies: 50
Views: 4695

Re: What are your best retirement years?

I think my father would have said 65-75, maybe even 70-75. He died at 75 and was enjoying life a lot right up til he passed away suddenly of a heart attack. My feeling is when he was younger he wasn't sure about the retirement thing and was more stressed.
by Hillview
Fri Feb 08, 2019 8:27 pm
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 13107

Re: Consensus on I Bonds for 2019?

I was going to make a thread but I'll post my query here (I hope it's not improper to do so): If you are in your 30s-40s and have a 3 fund portfolio, does it make sense to buy the annual I-bond limits. Or is it better to invest that money in the total stock or total international Vanguard index fun...
by Hillview
Fri Feb 08, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: How many hours do you work and what do you outsource
Replies: 88
Views: 8078

Re: How many hours do you work and what do you outsource

thanks all for your replies. Yes I'd say our finances are in order. No debt (house is paid for), run a weekly budget, saving for retirement and college. My kids do their own laundry usually (my 13 year old does 100% my 11 year old is maybe 75% solo but getting better) honestly it is MY laundry that ...
by Hillview
Thu Feb 07, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: How many hours do you work and what do you outsource
Replies: 88
Views: 8078

How many hours do you work and what do you outsource

I am in a senior leadership role. I currently work in the office from 7-5 or 6 and then work another hour or 2 at home. I am exhausted (I also have 2 kids and a husband and stuff around the house to do). I wonder how many hours you all work. Also wondering what you outsource. I have a babysitter for...
by Hillview
Fri Feb 01, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: recommend your African safari
Replies: 16
Views: 1370

recommend your African safari

Our family and a couple of other families (kids 10-15 years old) are interested in a safari in 2020. I went as a single person and sort of winged it but with kids etc would like some suggestions. Considering Tanzania and Zanzibar (5+5 days) but that is just a rough sketch idea. Thanks for any sugges...
by Hillview
Wed Jan 23, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: Sales Book Recommendation
Replies: 3
Views: 324

Re: Sales Book Recommendation

spin selling
by Hillview
Fri Jan 18, 2019 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 15026

Re: How much money did you receive from family? (Gifts/inheritance)

parents paid for part of college (grandparents paid for most, I was work study and I had a small student loan). No other gifts or inheritance. I did live at their house for about 6 months when they were out of the country (I was looking for a job).
by Hillview
Wed Jan 02, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: AED for the home? [Automated External Defibrillator]
Replies: 22
Views: 1201

Re: AED for the home?

I got one a couple of years ago and had the unfortunate fortune of having to use it shortly after I got it. I was glad I had purchased it. Wow, I feel like I should say congrats! Glad you recovered and are here to share your experience. At what age should someone consider buying an AED? How long do...
by Hillview
Wed Jan 02, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 9097

Re: Your ideal home size

Family of 4 and we live in a 2700 sq foot space + a fully underground basement that we finished but has low ceiling heights. The lay out is not ideal but it is big enough for us. We do have 3 br + office and 3.5 bathrooms so that fits us more then well enough. When we retire I would like a condo wit...
by Hillview
Wed Jan 02, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Using less plastic
Replies: 69
Views: 2045

Re: Using less plastic

We moved to glass containers for food storage (Pyrex and the like). I also think carefully before buying things in plastic if there is a glass or paper/cardboard alternative. Our family drinks a lot of milk so we get milk delivered in glass bottles.
by Hillview
Wed Jan 02, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: AED for the home? [Automated External Defibrillator]
Replies: 22
Views: 1201

Re: AED for the home?

I got one a couple of years ago and had the unfortunate fortune of having to use it shortly after I got it. I was glad I had purchased it.
by Hillview
Mon Dec 31, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Shoes to wear with jeans to the office?
Replies: 87
Views: 6279

Re: Shoes to wear with jeans to the office?

all Birds are fantastic
by Hillview
Sat Dec 29, 2018 10:52 am
Forum: US Chapters
Topic: Why I became a Boglehead
Replies: 22
Views: 3490

Re: Why I became a Boglehead

Because I grew up in a household with no money sense and very poor spending habits (parents "retired" with no money, only debt despite dad having an MBA from Harvard :confused ) and I need a place to ask all my stupid questions so I can be better and so my kids can learn something from me about fina...
by Hillview
Sat Dec 29, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1091
Views: 307082

Re: What is your Year 2018 networth change?

Down 5.5% with a 75% stock/25% bond holding (not including house which is up in value).
by Hillview
Fri Dec 28, 2018 2:31 pm
Forum: Personal Investments
Topic: Quick TLH check
Replies: 8
Views: 337

Re: Quick TLH check

thank you both I went with VTSAX! I appreciate you both helping me!
by Hillview
Fri Dec 28, 2018 1:18 pm
Forum: Personal Investments
Topic: Quick TLH check
Replies: 8
Views: 337

Re: Quick TLH check

So VSMAX would not be "substantially identical" that's for sure since it is not US large-cap. VSMAX has underperformed total market and large-caps by more than 5% so far in 2018. If you want to buy low, then VSMAX is probably OK, but if you to maintain your existing asset allocation, then VSMAX is ...
by Hillview
Fri Dec 28, 2018 1:04 pm
Forum: Personal Investments
Topic: Quick TLH check
Replies: 8
Views: 337

Re: Quick TLH check

If one assumes that you like your current asset allocation, then going from large-cap to small-cap would be changing that asset allocation. If you don't like your current asset allocation, then .... So VLCAX to VFIAX is what many people would do. Why did you not consider this? Also, what's with thi...
by Hillview
Fri Dec 28, 2018 12:32 pm
Forum: Personal Investments
Topic: Quick TLH check
Replies: 8
Views: 337

Quick TLH check

I think I am doing this right but it is my first time. In a Roth I own VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) In my taxable account I currently own VLCAX (Vanguard Large Cap Index Fund Admiral Shares) and I want to TLH from this account. I have dividends sweeping into my money...
by Hillview
Mon Dec 24, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: French Press recommendations
Replies: 24
Views: 1571

Re: French Press recommendations

we had glass but broke one every year or 2. Finally invested in this -- keeps the coffee warm longer. No difference in taste we could determine. https://www.amazon.com/Bodum-COLUMBIA-Coffee-Thermal-Stainless/dp/B0000A8VUU/ref=sr_1_8?s=home-garden&ie=UTF8&qid=1545656026&sr=1-8&keywords=french+press+s...