Search found 326 matches

by Hillview
Wed Jan 02, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: AED for the home? [Automated External Defibrillator]
Replies: 22
Views: 1122

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: 8267

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: 1848

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: 1122

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: 5578

Re: Shoes to wear with jeans to the office?

all Birds are fantastic
by Hillview
Sat Dec 29, 2018 10:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Why I became a Boglehead
Replies: 22
Views: 3059

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: 903
Views: 232478

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: Investing - Help with Personal Investments
Topic: Quick TLH check
Replies: 8
Views: 283

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: Investing - Help with Personal Investments
Topic: Quick TLH check
Replies: 8
Views: 283

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: Investing - Help with Personal Investments
Topic: Quick TLH check
Replies: 8
Views: 283

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: Investing - Help with Personal Investments
Topic: Quick TLH check
Replies: 8
Views: 283

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: 1399

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...
by Hillview
Sun Oct 21, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: HELOC AS Emergency Fund
Replies: 10
Views: 686

Re: HELOC AS Emergency Fund

we have one as a sort of back up EF. We have 6-9 months expense in savings account. HELOC is the back up to that. I doubt we would ever use it but it costs us nothing to have it open.
by Hillview
Sat Oct 20, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6138

Re: Pull kids from school for vacations?

yeah if my kid was struggling academically or socially I''d feel differently about missing a week of school.
by Hillview
Sat Oct 20, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6138

Re: Pull kids from school for vacations?

we pull our kids for a week once a year. this year our eldest is in 8th grade so not sure what will change with high school. 8th grader is a straight A student.
by Hillview
Sun Oct 14, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: How much to spend on landscaping?
Replies: 6
Views: 1413

Re: How much to spend on landscaping?

I think some more info would be helpful. What's the house worth? How long will you stay and enjoy the landscaping?
by Hillview
Mon Sep 24, 2018 7:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter
Replies: 381
Views: 89427

Re: Master Thread for Metro Boston's Chapter

Thanks for a great meeting this weekend! Learned a lot about RMDs!!
by Hillview
Sun Sep 23, 2018 10:09 am
Forum: Local Chapters and Bogleheads Community
Topic: Jack Bogle Bobblehead
Replies: 24
Views: 3063

Re: Jack Bogle Bobblehead

in for one!
by Hillview
Sun Sep 23, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Regrets / Pearls
Replies: 37
Views: 6987

Re: Regrets / Pearls

Regrets - not maxing out 401ks when I was younger (I even cashed one in!) - not understanding finances at all when I was younger (came from a family with no financial skills at all, father died in debt, mom is dependent on us) - not managing our family budget in our first 10 years of marriage, we sp...
by Hillview
Sat Sep 22, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever use a career counselor/career coach?
Replies: 7
Views: 1054

Re: Anyone ever use a career counselor/career coach?

I worked with a career coach a couple of years ago. She works with an ivy league business school population primarily. I am years older than most of those folks but she was useful, took some standard tests and she did read outs for me, also did a 360 review which my company had never done. Both were...
by Hillview
Tue Sep 04, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Wills and overseas beneficiaries
Replies: 10
Views: 833

Re: Wills and overseas beneficiaries

we have my BIL and SIL as beneficiaries in our will and they are not US citizens Yes, but wouldn't it be better to have them as beneficiaries directly on your bank accounts? In some cases maybe. For us it is if we die AND our kids die AND our kids have no heirs so in the will is where it makes sens...
by Hillview
Mon Sep 03, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Wills and overseas beneficiaries
Replies: 10
Views: 833

Re: Wills and overseas beneficiaries

we have my BIL and SIL as beneficiaries in our will and they are not US citizens
by Hillview
Mon Sep 03, 2018 2:19 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4980

Re: How much do you spend on kids extracurriculars?

For each child is doing soccer for $270 -- this includes fall and spring. Uniforms cost another $130 each so $300 each. As of right now I don't see us signing up for anything else but we might over the winter (soccer is on break during the winter). It might be up to another $200 each kid but that is...
by Hillview
Sat Sep 01, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 12294

Re: How do you 7 figure guys organize multiple accounts?

I use an Excel spreadsheet. My husband's IRA is the largest of the accounts so it holds the 100% of our bonds (plus stocks too) except for our iBonds to keep it simple. That means the rest of our accounts are just stocks. Pretty simple for us. We have the following account types Him: IRA, iBonds Her...
by Hillview
Fri Aug 31, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Body language coach?
Replies: 26
Views: 2977

Re: Body language coach?

Find a good speaking coach. Also look for a SLP or social skills consultant. Often they can help or have a good network. It is very learnable. Good luck and nice work identifying what you need.
by Hillview
Wed Aug 29, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Smarter personal finance software?
Replies: 14
Views: 1480

Re: Smarter personal finance software?

6 figure earner, 7 figure savings. Really like YNAB. It has directly helped me be more of a saver and a more thoughtful spender. FireCalc is a good tool you may already use but I took FireCalc and then started to play with what I needed to save to be in a better place and then use YNAB to make that ...
by Hillview
Sun Aug 26, 2018 8:56 am
Forum: Investing - Help with Personal Investments
Topic: rebalance when you have stock that hasn't vested?
Replies: 4
Views: 317

Re: rebalance when you have stock that hasn't vested?

thanks all. It is publicly traded stock and has some volatility to it of course.
by Hillview
Sat Aug 25, 2018 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Varying college costs across kids in the same family
Replies: 92
Views: 5302

Re: Varying college costs across kids in the same family

right now (we are 5 years from college with our oldest) the plan is that we have $xx set aside (it would be enough for private college) and they kids can spend it as they see fit and it is all they are getting for college. They could spend it all on 4 years of expensive under grad or go to a less ex...
by Hillview
Sat Aug 25, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: rebalance when you have stock that hasn't vested?
Replies: 4
Views: 317

rebalance when you have stock that hasn't vested?

I have a new job and with that comes a lot of stock options that vest 1/3 every year. I currently have 0 vested. It is (today) worth about 20% of our investment. If it counts as stock owned it would throw my asset allocation off. Would you wait til it vests and then rebalance annually (I plan an ann...
by Hillview
Sun Aug 05, 2018 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16344

Re: Will you pay for your kids' college/graduate education?

Yes we will. We have 2 boys and they are 5 and 8 years from college. We have money for them in 529s which should cover 100% of their college expenses (we stopped investing in the 529s). We've told them this is the total of what we will cover so they could consider a not so expensive under grad and s...
by Hillview
Thu Aug 02, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: weekender bag?
Replies: 30
Views: 2769

Re: weekender bag?

another vote for Tom Bihn
by Hillview
Wed Aug 01, 2018 5:05 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 184
Views: 11621

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I've done it once when we were in Belize in the jungle and were planning to do exciting activities like white water canoe, zip-lining, horse back riding, etc. For Europe I would not be bothered.
by Hillview
Sun Jul 15, 2018 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 27
Views: 2525

Re: Braces: Keeping cost down and insurance questions.

Ask around for a good orthodontist. Get 2 opinions and 2 estimates (3 if you can). We used FSA funds and our ortho provides a payment plan without any interest. We paid son #2's off entirely with the FSA and son #1's with some of the FSA and the rest is on a payment plan of 180 a month for a year. O...
by Hillview
Mon Jul 09, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with recruiters
Replies: 20
Views: 2199

Re: Dealing with recruiters

Good recruiters are great. I recently landed a new job at an exec level with a super package with a recruiter placing me. Lousy recruiters are handled in 5 minutes. FWIW I didn't discuss salary until the very very end and ended up with a 20% increase and a bonus that was a 50% increase with 90% atta...
by Hillview
Mon Jul 09, 2018 6:22 am
Forum: Personal Consumer Issues
Topic: WiFi router
Replies: 46
Views: 4354

Re: WiFi router

love our mesh Eero.
by Hillview
Sun Jun 17, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Best tips for starting a new job
Replies: 19
Views: 1449

Best tips for starting a new job

I am starting a new job in a senior level role. Any tips on starting a new job? Thanks!
by Hillview
Fri Jun 15, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Bidding for airline flight class upgrade
Replies: 9
Views: 1532

Re: Bidding for airline flight class upgrade

flyertalk.com will have a lot of detail on this if you are interested in more info
by Hillview
Fri Jun 15, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3339

Re: Job in MA, live in MA, RI, or CT?

are schools a consideration (do you have children in school)? That is another factor to consider if you do. Not if you don't.
by Hillview
Tue Jun 12, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 113
Views: 22130

Re: Who uses the 3 fund portfolio ?

Classic 3 funder here (new this year) soon to become 4 when I participate in a new ESPP ....

Wait I lied -- I have a 4th fund for TLH in a taxable account but it is VERY close (although clearly not identical) to Vanguard Total Market
by Hillview
Tue Jun 12, 2018 6:07 am
Forum: Personal Finance (Not Investing)
Topic: death certificates...hospice and 911
Replies: 32
Views: 3130

Re: death certificates...hospice and 911

death certificate comes from the funeral home -- my neighbor died last fall and the funeral home came to get him -- no 911.
by Hillview
Mon Jun 11, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Allowance [Giving allowance to child]
Replies: 28
Views: 2529

Re: Allowance [Giving allowance to child]

kids get good sized allowances. son 1 (12) has invested in apple and shake shack and is not in vanguard total market ETF. son 2 (10) has quite a nice baseball collection thus far but he doesn't spend it all at once and has ~$200 saved up. allowances are not tied to chores. Ron Lieber's "The Opposite...
by Hillview
Fri Jun 08, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: how to buy more time -- job offer
Replies: 9
Views: 1720

Re: how to buy more time -- job offer

I got and will take job 2 -- a better offer all around thanks all for your advice and support. Next up speaking with Job 1 tomorrow! I feel bad as the CEO was very very kind to me. You have two offers. Why are you not using them to leverage each other? All other things being equal, do you want to w...
by Hillview
Thu Jun 07, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: how to buy more time -- job offer
Replies: 9
Views: 1720

Re: how to buy more time -- job offer

I got and will take job 2 -- a better offer all around thanks all for your advice and support. Next up speaking with Job 1 tomorrow! I feel bad as the CEO was very very kind to me.
by Hillview
Wed Jun 06, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: how to buy more time -- job offer
Replies: 9
Views: 1720

Re: how to buy more time -- job offer

thanks all I asked job 1 for 2 more days and it was granted. Whew
by Hillview
Wed Jun 06, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: how to buy more time -- job offer
Replies: 9
Views: 1720

how to buy more time -- job offer

I have a good job offer (#1) right now and was expecting another offer (#2) today but it is now rolling to tomorrow. What can I say to job #1 to buy more time -- their offer expires today. I have had it for 4 days. They do know I have other options I am exploring. Thanks!
by Hillview
Tue Jun 05, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: new job bigger take home pay
Replies: 15
Views: 2025

Re: new job bigger take home pay

Thanks all - a new offer is possible tomorrow so I am sitting on all this decision until I see what happens (their retirement options may also vary). Will post back once I make a decision (I thought I had but then well I might get luckier!).
by Hillview
Tue Jun 05, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: First time Segway tour question
Replies: 14
Views: 1135

Re: First time Segway tour question

surveyor wrote:
Tue Jun 05, 2018 12:07 pm
I can't imagine pre-teens being allowed on Segways. I think 16 was the minimum age when we did a tour in DC.
we did this in Rome (in the park) and they allowed my tall 10 and 12 year old to do it without any questions. The proper tours did have age requirements.
by Hillview
Sun Jun 03, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: new job bigger take home pay
Replies: 15
Views: 2025

Re: new job bigger take home pay

I assume you have considered IRAs? oh sorry so they would be just traditional IRAs (not roth) and we have quite a lot in husband's IRA so that RMDs are getting significantly high. We've maxed out every year until this year. I am on the fence on continuing to fund them ... any thoughts or pros and c...
by Hillview
Sat Jun 02, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: new job bigger take home pay
Replies: 15
Views: 2025

Re: new job bigger take home pay

I assume you have considered IRAs? oh sorry so they would be just traditional IRAs (not roth) and we have quite a lot in husband's IRA so that RMDs are getting significantly high. We've maxed out every year until this year. I am on the fence on continuing to fund them ... any thoughts or pros and c...