Search found 314 matches

by Hillview
Sun Oct 21, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: HELOC AS Emergency Fund
Replies: 10
Views: 659

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: 6046

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: 6046

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: 1375

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: 364
Views: 84552

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: 2975

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: 6932

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: 1040

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: 802

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: 802

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: 4831

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: 12127

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: 2946

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: 1457

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: 300

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: 5275

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: 300

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: 16081

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: 2723

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: 176
Views: 10098

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: 2499

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: 2189

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: 4302

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: 1443

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: 1516

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: 3301

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: 112
Views: 20340

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: 3087

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: 2474

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: 1706

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: 1706

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: 1706

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: 1706

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: 2006

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: 1119

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: 2006

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: 2006

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 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: new job bigger take home pay
Replies: 15
Views: 2006

new job bigger take home pay

I am changing jobs (super excited) and will be taking home a significantly higher amount monthly -- combo is nice pay increase, not eligible for 401k (will max out at current employer), moving from a HMO/PPO to a HSA/HDHP. We have 0 debt, kids college is funded as much as we want to for now, we have...
by Hillview
Sat Jun 02, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 8123

Re: Is our monthly Personal money out of line?

we have similar take home pay and on average that is very high -- unless it includes household stuff and kids stuff. This month I spent about 400 on personal care (hair and nails) but I had no joke over 10 interviews for big job stuff and a few hundred on a suit as well. My average is about $150 or ...
by Hillview
Sat Jun 02, 2018 7:35 am
Forum: Investing - Theory, News & General
Topic: Reading Suggestions for Retirement Planning
Replies: 9
Views: 1223

Re: Reading Suggestions for Retirement Planning

seconding JBQ book
Also consider reading "How to Retire Happy, Wild and Free" Ernie J. Zelinski less financial more lifestyle
by Hillview
Fri Jun 01, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Save old mortgages, etc.?
Replies: 4
Views: 612

Re: Save old mortgages, etc.?

8 years ago we had a HELOC on the house and paid it off the next year. This year we paid off our mortgage and took our a HELOC just in case and the old HELOC had not been taken off the lien. I had to go back and find the loan number of the old HELOC to get it sorted. So make sure the liens are recor...
by Hillview
Fri Jun 01, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: New job - separation agreement terms to write in?
Replies: 2
Views: 302

New job - separation agreement terms to write in?

I am about to accept a new offer at a start up company (series c funded, 200 people). The role is a c-level job. Wondering what I should include as a separation term (should they decide to fire me) as part of the offer -- any advice here is appreciated, I am new to this.
Thanks!
by Hillview
Thu May 31, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: belize with kids -- advice?
Replies: 8
Views: 958

belize with kids -- advice?

We are thinking of going to belize in June (end of the month). Some questions - we are looking at a nice place in placencia -- any thoughts? - we are thinking of spending 2 weeks there -- is this too long? - we like hanging out pool/beach side but since it is a bit of a haul we are thinking 2 weeks ...
by Hillview
Wed May 30, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: changing job -- retirement account help please
Replies: 25
Views: 1693

Re: changing job -- retirement account help please

Let us know what you find out please. :happy ok well I spoke with the HR person based in the US and here is the info. All they currently offer is a Roth 401k -- she seemed as baffled about it as I was -- it was a decision made before she joined and she is fixing it. They will have a proper 401k by ...
by Hillview
Tue May 29, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: changing job -- retirement account help please
Replies: 25
Views: 1693

Re: changing job -- retirement account help please

thank you all so so much! The CEO is based in Europe but they have 100 people in the US so they have a formal office here in the US. I bet the US based HR person will get this sorted out and that they will have a traditional 401k (I am hoping!)
by Hillview
Tue May 29, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Estate Planning roadblocks - ideas?
Replies: 18
Views: 2083

Re: Estate Planning roadblocks - ideas?

it is honestly very hard and so as pp said I think we make "for now" decisions and then review every 5 years or so. We are in the midst of redoing ours and it is not fun ... we've elected a neighbor to be our executor, a family member for health care proxy and taking our kids but to be honest I don'...
by Hillview
Tue May 29, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: changing job -- retirement account help please
Replies: 25
Views: 1693

Re: changing job -- retirement account help please

This is not what you really want, but maybe it will give you the "flavor" of it. You have to think of it in terms of a 401k plan being (by law) a plan that allows tax-deferral of the employees contributions from their salaries. Roth 401k (designated Roth account) is an "add on" to a 401k plan, it i...
by Hillview
Tue May 29, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: changing job -- retirement account help please
Replies: 25
Views: 1693

Re: changing job -- retirement account help please

I called the 401k manager (TA) and it is a monthly fee -- I have $880k in the account. It is based on the value of the account. There is no way for it to change (I cannot move the money to another fund or plan it is just what they charge). Hard to believe. Too bad you didn't know that before rollin...
by Hillview
Tue May 29, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 4600

Re: Do you have a monthly household budget?

Yes about 6 months ago we started planning a monthly budget and every month I have xx dollars for the month expenses. I use YNAB (You Need a Budget) for this. It has been a very useful tool to be both more mindful about where I spend dollars and also to plan for larger items (through monthly saving ...