Search found 391 matches

by Hillview
Sun Mar 08, 2020 9:15 am
Forum: Personal Investments
Topic: Asset Allocation Across 2 IRAs
Replies: 4
Views: 227

Asset Allocation Across 2 IRAs

Through a recent IRA roll over our asset allocation is out of whack (the current market change is not a player in all this), my error I went from a glide-path fund at a work 401k to 100% US Stocks in an IRA. Our desired asset allocation is: US Total Stock 58% Intl Total Stock 15% US Bond 27% Our cur...
by Hillview
Tue Mar 03, 2020 7:10 am
Forum: Personal Investments
Topic: Share Your IPS
Replies: 22
Views: 1675

Re: Share Your IPS

Asset Allocation (AA) 75% stocks (allocated 80/20 in total stock market and international stock market, respectively) and 25% bonds We will keep a simple portfolio following a simple 3-fund approach as follows: 60% Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) (expense ratio 0.04%) 1...
by Hillview
Mon Mar 02, 2020 8:09 am
Forum: Personal Consumer Issues
Topic: How much would you pay babysitter/nanny?
Replies: 18
Views: 1545

Re: How much would you pay babysitter/nanny?

We are outside Boston and pay $20 an hour for our older kids. I would imagine at that age it would be closer to $25 around here. YMMV as I think it is market dependent.
by Hillview
Thu Feb 27, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: Moving into a new house build - tips?
Replies: 5
Views: 366

Moving into a new house build - tips?

We are moving into a new house build (first owners ever in a new development). It will be our first new house build. Any tips? So far I’ve got an independent inspector lined up and am looking for a good house cleaner in the area. Thanks for any tips!
by Hillview
Sun Feb 23, 2020 3:35 pm
Forum: Personal Investments
Topic: When to invest -- worried about market timing and not market timing
Replies: 17
Views: 1031

Re: When to invest -- worried about market timing and not market timing

Thanks all it was 100% in total market equivalent in December. I did nothing differently during swine flu. I generally do nothing differently it just sits there. Off to put it all in and then to pat self on back 8-)
by Hillview
Sun Feb 23, 2020 1:41 pm
Forum: Personal Investments
Topic: When to invest -- worried about market timing and not market timing
Replies: 17
Views: 1031

When to invest -- worried about market timing and not market timing

I recently (November) changed jobs and in December started to move my money from my prior employer 401k to Vanguard, I ran into issues getting a medallion signature for Vanguard so I ended up putting it into Fidelity, the check was lost and it finally made it to Fidelity last week. It is now sitting...
by Hillview
Fri Feb 21, 2020 9:31 pm
Forum: Personal Consumer Issues
Topic: Do You Have a Long Term Travel Strategy?
Replies: 67
Views: 6065

Re: Do You Have a Long Term Travel Strategy?

our kids are 12 and 14 and have traveled from east coast to Europe since birth annually. We are travelers. We are moving to the west coast and hope to travel more to Asia with the kids (and check out Hawaii).That said your general plan looks like a good one. We did more Disney when they were younger.
by Hillview
Fri Feb 21, 2020 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: San Francisco with a Family
Replies: 90
Views: 5680

Re: San Francisco with a Family

They purchased a 1145 sq foot house with a nice small backyard about 15 years ago for 1.1m it is now worth according to Zillow 2.2m (they did an addition as well so now it is 2200 sq feet). 1145 sq ft in Noe Valley in 2005 for $1.1 million? That really doesn't sound right... in 2001 after dot.com c...
by Hillview
Fri Feb 21, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: San Francisco with a Family
Replies: 90
Views: 5680

Re: San Francisco with a Family

My sister lives in Noe Valley. Her kids are in private school (expensive and for high school super competitive -- like the East Coast prep schools). They love it in Noe Valley. I don't think 200k is even close enough to make that area work for a house. They purchased a 1145 sq foot house with a nice...
by Hillview
Sun Jan 12, 2020 9:01 am
Forum: Personal Investments
Topic: 529 AA survey
Replies: 26
Views: 1385

Re: 529 AA survey

decapod10 wrote:
Sun Jan 12, 2020 12:18 am
I just use the "Age Based Moderate" glide path that is provided by the provider
Same here -- we are in Vanguard. Kids are 14 & 12.
by Hillview
Thu Jan 09, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: Good car shipping service?
Replies: 16
Views: 1571

Re: Good car shipping service?

I recently used carsarrive as part of a relocation and it worked very well
by Hillview
Sat Jan 04, 2020 7:51 am
Forum: Personal Consumer Issues
Topic: 2nd home, where to live and why
Replies: 4
Views: 851

Re: 2nd home, where to live and why

Wow sounds like you have found a happy place. Would you consider renting a place for a year to see if you really like it?
by Hillview
Wed Jan 01, 2020 9:42 pm
Forum: Personal Consumer Issues
Topic: What was your travel in 2019?
Replies: 19
Views: 1379

Re: What was your travel in 2019?

Japan
Germany
France
Dubai/UAE
England
Poland
Netherlands
Switzerland
Austria
A little domestic travel (US)

Mainly for work.
by Hillview
Tue Dec 31, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: What Are Your 2020 Goals?
Replies: 56
Views: 12152

Re: 2020 Goals?

1) practice mindfulness (meditation, gratitude) daily -- this is new for me and a struggle to do daily but goals are good! 2) exercise 3x a week when not traveling 3) read more books (I read/listened to 10 books this year -- aiming for 12 next) 4) this year is a big year (new job, moving state, buyi...
by Hillview
Tue Dec 31, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: To what do you owe your ability to forego spending now and save for your future?
Replies: 116
Views: 5156

Re: To what do you owe your ability to forego spending now and save for your future?

Honestly it has been hard. I am not as good at it as I would like to be and should be given our income. I was raised by parents who saved nothing, had significant debt and we were always up and down financially growing up (a month before I went to college my dad told me to not go to college since he...
by Hillview
Mon Dec 30, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: DVC - Buy Direct Disney versus Renting Points
Replies: 15
Views: 1075

Re: DVC - Buy Direct Disney versus Renting Points

I did this evaluation about 10 years ago and we ended up not buying and I am glad I didn’t. The kids are now 12 and 14 and we aren’t as into Disney as much as we were and enjoy other options. I did look at not buying the contract from Disney but buying out someone else and that seemed like a better ...
by Hillview
Sat Dec 28, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Expenses
Replies: 5
Views: 338

Re: Calculating Expenses

for my emergency fund I calculate what I would essentially need. In the case of job loss I would need the kids (when they were younger) to be in day care so I could get a job. I might be willing to cut cable or the cleaning person who comes 2x a month. For retirement I have a list of what I expect t...
by Hillview
Fri Dec 27, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medallion signature guarantee at Fidelity was fab
Replies: 5
Views: 975

Re: Medallion signature guarantee at Fidelity was fab

I went to Fidelity today (in a branch, called 30 mins before can made an appointment). They did a Medallion signature guarantee for me in about 5 minutes. I was opening an account but did not have a significant position with Fidelity. I had tried to do this at Bank of America (where I have a signif...
by Hillview
Fri Dec 27, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Public transit in South Florida
Replies: 4
Views: 437

Re: Public transit in South Florida

PaunchyPirate wrote:
Fri Dec 27, 2019 3:48 pm
Check out Trip-Rail. Very easy to use.

https://www.tri-rail.com

There is a station in Hollywood and it goes to Miami Area, with connections to Miami Metrorail.
My 77 year old mom just took this and said it was fantastic -- easy and ran on time for her (and of course it was clean)
by Hillview
Fri Dec 27, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Medallion signature guarantee at Fidelity was fab
Replies: 5
Views: 975

Medallion signature guarantee at Fidelity was fab

I went to Fidelity today (in a branch, called 30 mins before can made an appointment). They did a Medallion signature guarantee for me in about 5 minutes. I was opening an account but did not have a significant position with Fidelity. I had tried to do this at Bank of America (where I have a signifi...
by Hillview
Fri Dec 27, 2019 7:26 pm
Forum: Investing - Theory, News & General
Topic: Everyone's Financial 'Infrastructure'
Replies: 33
Views: 3827

Re: Everyone's Financial 'Infrastructure'

Checking in BOA
Vanguard for taxable, husband's IRA and kids 529 and a Roth for me
Fidelity for my 401k and stock (company RSUs)
HSA at TD Ameritrade (next up for relocation)

The urban sprawl of accounts when you change jobs takes effort to manage.
by Hillview
Thu Dec 26, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Budget for Home Maintenance/Improvements
Replies: 11
Views: 681

Re: Budget for Home Maintenance/Improvements

we have a house from the 1800s and it requires frequent maintenance projects in addition we have upgraded things so our budget per year is about 2.5-5% of the home value (we save for this, no loans etc). We have had a list of must dos and want to dos. Over the 12 years we have lived here we have: in...
by Hillview
Thu Dec 26, 2019 7:19 am
Forum: Personal Consumer Issues
Topic: Sleep Masks & Ear Plugs
Replies: 35
Views: 2393

Re: Sleep Masks & Ear Plugs

I have ear plugs that were made for me at a local hearing aid shop. Cost about $200 and they are fantastic. Been using them for years. They are what drummers wear for concerts. Before these ear plugs I used these and like them https://www.amazon.com/Macks-Pillow-Soft-Silicone-Earplugs/dp/B07G1MWHNR/...
by Hillview
Tue Dec 24, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 226
Views: 43436

Re: Cash - Throw it all on the table!!!

we have a bunch in cash right now that we normally would not due to a new house purchase coming up. Typically we aim to have 1x annual expenses in cash on hand and more than that in taxable (held in 100% total stock at vanguard due to how asset allocation works out in our accounts). We don't really ...
by Hillview
Sun Dec 22, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone start saving late and still retire early?
Replies: 61
Views: 5758

Re: Anyone start saving late and still retire early?

yes -- I had no money and no job in 2001 and had SPENT all my 401k savings (30 years old). I am now near 50 and in pretty good shape. Plan to keep working for another 8 years and then see what happens.
by Hillview
Mon Nov 25, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Spending money to make travel easier and luxurious?
Replies: 85
Views: 8626

Re: Spending money to make travel easier and luxurious?

I travel business class and it makes a big difference. My company provides car service and it is also awesome -- especially for a late night arrival or a city I don't know. A hotel that is well located is worth it to me but not so much a high end one. Private tours have been really nice to do
by Hillview
Sun Nov 24, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Bench press and weights
Replies: 59
Views: 4214

Re: Bench press and weights

rogue is the best -- it isn't cheap. Check craig's list and your local facebook buy/sell list -- there are often sets for sale at a fraction of the cost. I am not a fan of powerblocks or the like (where you can change the weights on the dumbbell) but they are more economical and take up less space
by Hillview
Sun Nov 03, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Where to get good women’s suits?
Replies: 7
Views: 878

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: 2390

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: 832

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: 2322

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: 2538

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: 3738

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: 10298

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: 8761

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: 3738

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: 3738

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: 3738

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: 3738

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: 3738

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: 19182

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: 10592

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: 2208

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: 1573

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: 2139

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: 4537

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: 3241

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: 1998

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: 1597

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: 3929

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...