Search found 152 matches

by oldfatguy
Wed Aug 21, 2019 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: How do you get billed for child's college when not enough cash?
Replies: 44
Views: 3402

Re: How do you get billed for child's college when not enough cash?

On Step 3; parents do not get billed. College Students, who are adults , get billed. Uh, I never saw a bill for tuition when I was an undergrad. Many students are not 18 during at least part of college, so I am assuming those are not legally adults and not legally financially responsible. The schol...
by oldfatguy
Wed Aug 21, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do you get billed for child's college when not enough cash?
Replies: 44
Views: 3402

Re: How do you get billed for child's college when not enough cash?

Alchemist wrote:
Wed Aug 21, 2019 11:07 am

On Step 3; parents do not get billed. College Students, who are adults, get billed.
This is an important distinction.
by oldfatguy
Fri Aug 16, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4280

Re: Kindergarten lunches

Prior to my current career, I was the director of programs that oversaw the health and nutrition protocols in public schools in Texas then Utah; I've seen less than a handful of school lunches that I would want my daughter to eat regularly. Admittedly, my thresholds for acceptably healthy are highe...
by oldfatguy
Fri Aug 16, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4280

Re: Kindergarten lunches

In addition to all the cold lunches mentioned, I send a lunch kept warm in a small food thermos about once a week in colder weather ... lentil soup, chili, pasta with marinara, baked beans with hot dogs, etc. The only downside is that most young kids can't easily open the thermos themselves, and hav...
by oldfatguy
Thu Aug 15, 2019 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Moving for better public schools?
Replies: 60
Views: 4137

Re: Moving for better public schools?

As our oldest son enters 6th next year, we are thinking of high schools. The local public high school he would attend is decent (a 6 on great schools) but the math proficiency scores are low and a relatively low number of kids take AP courses. The only thing this really tells you is the income leve...
by oldfatguy
Tue Aug 13, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: help understanding pension
Replies: 19
Views: 1201

Re: help understanding pension

Hi there. My husband recently started a job with a local government that requires he participates in their pension program. We do not expect him to retire from this place of employment. Our plan right now is to take a lump-sum when he leaves and I am trying to figure out what that figure may be. I ...
by oldfatguy
Mon Aug 12, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 84
Views: 5670

Re: Beyond Meat Burger? Do you like?

JoMoney wrote:
Mon Aug 12, 2019 8:28 am
No, and I don't understand why someone who doesn't want to eat meat would want to eat something that simulates eating meat.
Because some people enjoy the taste of meat, but choose not to eat it for a variety of reasons.
by oldfatguy
Wed Aug 07, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Is SS# Really Necessary on College App When No Financial Aid is Requested?
Replies: 7
Views: 440

Re: Is SS# Really Necessary on College App When No Financial Aid is Requested?

HereToLearn wrote:
Wed Aug 07, 2019 9:10 am
You do not need to include SSN when submitting apps, but you will have to once your child enrolls in college. The school needs the SSN in order to issue the 1098-T, independent of the AOTC.
And, the student will need to provide it to the university if they get a job on campus.
by oldfatguy
Wed Jul 31, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 84
Views: 5670

Re: Beyond Meat Burger? Do you like?

My daughter seems to like the Beyond Meat burgers better than other "veggie" burgers we have tried. I agree that the excessive packaging and high price is unappealing. I haven't noticed any unusual odor, but I have only cooked them on the grill so far. The second best brand we've had so far is Garde...
by oldfatguy
Wed Jul 31, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 13947

Re: Should I encourage my kids to work in high school/college?

Everyone is different, obviously, but I know my grades/studies were BETTER when I was busier with more extracurriculars/working tons of hours at my part time jobs in high school/college. Because my time was limited, I'd focus on my studies when I had the free time, rather than goof off/procrastinat...
by oldfatguy
Wed Jul 31, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Gas oven and the smell of gas each time first turned on
Replies: 19
Views: 917

Re: Gas oven and the smell of gas each time first turned on

I would only be concerned if you smell gas when the oven or range isn't on.
by oldfatguy
Tue Jul 30, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Childcare expenses as children get older
Replies: 14
Views: 1086

Re: Childcare expenses as children get older

Ours went down by a lot more than half, but we haven't started paying much for any type of camps or activities yet, just after school care. What do you do for Summers or no school days? That's where the bulk of my childcare costs were after Kindy. Figure 3 months of summer and another month worth o...
by oldfatguy
Tue Jul 30, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?
Replies: 122
Views: 8852

Re: Wife (teacher) and I are trying for a baby. What are some "must-knows" and other tips?

livesoft wrote:
Mon Jul 22, 2019 1:40 pm
Many people will offer well-meaning advice. You can ignore most of it.
This post should be pinned to the top of every thread.
by oldfatguy
Tue Jul 30, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Childcare expenses as children get older
Replies: 14
Views: 1086

Re: Childcare expenses as children get older

Ours went down by a lot more than half, but we haven't started paying much for any type of camps or activities yet, just after school care.
by oldfatguy
Tue Jul 30, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Costco Citi Visa?
Replies: 34
Views: 4284

Re: Experience with Costco Citi Visa?

I got the Costco Citi Visa when they first transitioned from AMEX, and I ended up cancelling it within six months because of all the problems I experienced. Multiple fradulent charges (relatively small amounts) showed up almost immediately, so Citi sent me a new card, and the same thing happened aga...
by oldfatguy
Tue Jul 30, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: How much to tip at wedding
Replies: 24
Views: 2742

Re: How much to tip at wedding

Daughter is getting married this weekend and we have a reception of 65. How much should I give in tips to Priest, deacon, cantors,food servers, bartenders, DJ? If your daughter is a member of the parish, I would not "tip" the priest anything. Fess for other participants in the ceremony (organist, c...
by oldfatguy
Tue Jul 30, 2019 8:31 am
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 85
Views: 16324

Re: Retire with Less Than $1 million?

I see a lot of big numbers on this site. I'm wondering -- is anyone expecting to retire with *less* than one million dollars? Is it doable? I expect to have somewhere between 650K-800K when I retire. My expenses are about $33,000 per year with ten years to go. House will be paid off. No other debt....
by oldfatguy
Fri Jul 19, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Dumb phone
Replies: 35
Views: 2738

Re: Dumb phone

I think a dumb phone would greatly complicate my life vs simplify it. It would also be isolating. What if you just don't use the features that you find complicate your life? Is social media the issue? I'm all for technology that improves my life, but I've yet to be convinced that a smart phone woul...
by oldfatguy
Fri Jul 19, 2019 12:55 pm
Forum: Personal Investments
Topic: 529 for Kindergarten
Replies: 9
Views: 1039

Re: 529 for Kindergarten

OP, I think you would want to utilize a dependent care FSA or the child care tax credit for this type of expense.
by oldfatguy
Fri Jul 19, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 72
Views: 5127

Re: Box wine- update and recommendations?

It doesn't actually come in a box, but one of my favorite wines in that price class is Costco's Kirkland Cabernet. It's $8 for a Magnum (1.5L), so equivalent to $16 for a 3L box. Not spectactular, but very drinkable, probably equivalent to wines costing right around 3x its price, or $10-12 for a 75...
by oldfatguy
Fri Jul 19, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 72
Views: 5127

Re: Box wine- update and recommendations?

It doesn't actually come in a box, but one of my favorite wines in that price class is Costco's Kirkland Cabernet. It's $8 for a Magnum (1.5L), so equivalent to $16 for a 3L box. Not spectactular, but very drinkable, probably equivalent to wines costing right around 3x its price, or $10-12 for a 75...
by oldfatguy
Thu Jul 18, 2019 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Heart Transplant — Can I Fund Expenses through our DAF?
Replies: 32
Views: 2895

Re: Heart Transplant — Can I Fund Expenses through our DAF?

As far as I know, donating money to a relative (or any individual for that matter) doesn't count for a tax deduction. You do, however, get a tax deduction (via your DAF) if you donate money to a qualified charity. For example, a charity related to your nephew's hospital or the American Heart Associ...
by oldfatguy
Thu Jul 18, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Post Daycare Finances
Replies: 25
Views: 2459

Re: Post Daycare Finances

I want my children to be active, but I have a hard time believing that there’s going to be $2,200 a month in soccer and dance. Your costs for activities, summer camps, and before/after school care shouldn't need to be anywhere near as much as full-time daycare costs, but some people spend ridiculou...
by oldfatguy
Wed Jul 17, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: Box wine- update and recommendations?
Replies: 72
Views: 5127

Re: Box wine- update and recommendations?

Our Costco recently started carrying a Kirkland brand box of Cabernet for $12.99. I'll be taking one camping with us next week. :sharebeer
by oldfatguy
Wed Jul 17, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for extended illness?
Replies: 35
Views: 1905

Re: How to plan for extended illness?

willthrill81 wrote:
Wed Jul 17, 2019 1:03 pm
oldfatguy wrote:
Wed Jul 17, 2019 1:00 pm
NotWhoYouThink wrote:
Tue Jul 16, 2019 5:23 pm
Join a church.
I thought religion and politics were prohibited here
He isn't advocating for a religion nor discussing one.
"Join a church" isn't advocating for religion? OK.
by oldfatguy
Wed Jul 17, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for extended illness?
Replies: 35
Views: 1905

Re: How to plan for extended illness?

NotWhoYouThink wrote:
Tue Jul 16, 2019 5:23 pm
Join a church.
I thought religion and politics were prohibited here
by oldfatguy
Wed Jul 17, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: replacing mulch bed recommendations
Replies: 35
Views: 2407

Re: replacing mulch bed recommendations

I have mulch beds around the front and back of my house. I'd like to replace them with a material that will not need to be replaced yearly and in which weeds will not grow, so that there is minimal maintenance and ongoing cost. I think there are two main options: 1. plant pachysandra or vinca minor...
by oldfatguy
Wed Jul 10, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: SALT benefits couples to remain unmarried
Replies: 11
Views: 1551

Re: SALT benefits couples to remain unmarried

airahcaz wrote:
Wed Jul 10, 2019 6:52 am
Isn’t the new deductions limit a reason for single couples to remain unmarried?
It is one of several thousand factors that should be considered.
by oldfatguy
Tue Jul 02, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Question of integrity
Replies: 40
Views: 3917

Re: Question of integrity

KlangFool wrote:
Tue Jul 02, 2019 7:42 am

The correct word is loyalty. It is an overrated word. Your boss would leave with a 30% to 35% increase too.
Yep. And they would fire you if they could hire someone else for 30% less.
by oldfatguy
Sat Jun 29, 2019 5:46 am
Forum: Personal Consumer Issues
Topic: Outdoor Fire Pit - Wood vs. Gas?
Replies: 53
Views: 3591

Re: Outdoor Fire Pit - Wood vs. Gas?

I use wood for indoor fireplace and outdoor fire pit, and charcoal for grilling. Yes, it is more work. I have had gas fireplaces before, and have never understood the appeal of watching a gas flame. Might as well just light a burner on my stove.
by oldfatguy
Fri Jun 28, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Picking up New Subaru-Worth buying extended warranty?
Replies: 58
Views: 15165

Re: Picking up New Subaru-Worth buying extended warranty?

I am the "fool" who always buys auto warranties!!! I shop them out online after purchase. We have a 2013 Outback with 65k miles (+/-). Bought pre-owned 1 year old w/ less than 10k miles. Came with premium bumper to bumper warranty, 7yr 100k I believe... For free! I'd have bought it anyways. I haven...
by oldfatguy
Fri Jun 28, 2019 8:33 am
Forum: Personal Investments
Topic: Can/should my son contribute to Roth - tip income
Replies: 13
Views: 649

Re: Can/should my son contribute to Roth - tip income

My 19-year-old son is working as a caddie this summer before heading off to college. He can make up to about $400/week. Last summer, he worked n landscaping and received earned income of $1250. The "National Bank of DAD" matched that amount, so he contributed $1250 to a Roth IRA. His income this su...
by oldfatguy
Thu Jun 27, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Paintless Dent Repair [PDR] for car door dings, how much have you paid?
Replies: 10
Views: 933

Re: Paintless Dent Repair [PDR] for car door dings, how much have you paid?

I opted not to do it, but I was quoted $150 for a ding from a shopping cart in my front fender. This was 3-4 years ago.
by oldfatguy
Thu Jun 27, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: I need to do a will...anyone have recommendations/advice?
Replies: 21
Views: 1296

Re: I need to do a will...anyone have recommendations/advice?

My state provides a template for a "basic will" and a "basic will with trust" in the state statutes. Perhaps your state has something similar?
by oldfatguy
Thu Jun 27, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Package delivery man damaged door
Replies: 55
Views: 3770

Re: Package delivery man damaged door

The door is actually broken. One part of it has shifted so that a column of paint-free wood is visible. This is a wood door with panels? If so, it doesn't sound like it is broken. Wooden door panels are free floating to allow for expansion and contraction of the wood. If there is now an edge of unp...
by oldfatguy
Thu Jun 27, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Early wedding funding for my young kids: Great Strategy!!!
Replies: 22
Views: 3430

Re: Early wedding funding for my young kids: Great Strategy!!!

It has never occurred to me to save anything for my daughter's wedding, nor do I plan to spend any money for it in the future.
by oldfatguy
Wed Jun 19, 2019 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 9561

Re: Article on high deductible health plans - and the math

I don't live in a swamp, I live in a major city so it's not off base to assume it's similar everywhere. Thanks, that tells me everything I need to know. I thought only millienials were supposed to be easily offended. Just trying to help. Meant to no offense to swamp dwellers. You are making incorre...
by oldfatguy
Wed Jun 19, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 9561

Re: Article on high deductible health plans - and the math

PeterParker wrote:
Wed Jun 19, 2019 11:22 am

I don't live in a swamp, I live in a major city so it's not off base to assume it's similar everywhere.
Thanks, that tells me everything I need to know.
by oldfatguy
Wed Jun 19, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 9561

Re: Article on high deductible health plans - and the math

Yeah again the math is different for everybody. BUT -- I feel most people are too lazy or don't understand it. They compare the deductibles and maybe max out-of-pocket only. They take one look at the HSA higher deductible and say "nope." Or assume it's for very young people who are betting they won...
by oldfatguy
Tue Jun 18, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 9561

Re: Article on high deductible health plans - and the math

The HSA is a great plan for someone that never has any medical needs and isn't paying towards a deductible - but not so much for others. Very few choose the HSA option at my company. I've seen the math posted by others here - I believe my company is in the minority on leaning folks to the PPO style...
by oldfatguy
Tue Jun 18, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 2948

Re: Recommendation for light beer.

am wrote:
Mon Jun 17, 2019 8:09 pm

I liked Stella and Heineken.
Have you tried Heineken Light?
by oldfatguy
Tue Jun 18, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 56
Views: 3360

Re: Maternity and Paternity leave policies

I think it's great that you give fathers 2 weeks paid, but under FMLA, they are entitled to another 10 weeks (12 total) if you are bound by FMLA requirements. Just doing a quick search, this seems to be for employers who have 50 or more employees. I took 12 weeks myself with the adoption of our fir...
by oldfatguy
Tue Jun 18, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 56
Views: 3360

Re: Maternity and Paternity leave policies

My employer has no parental leave policy - just FMLA and state law.
by oldfatguy
Mon Jun 17, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: With hindsight, what signs indicated you were about to lose your job?
Replies: 127
Views: 12223

Re: With hindsight, what signs indicated you were about to lose your job?

nedsaid wrote:
Sun Jun 16, 2019 11:02 am
When you have a meeting for your office suite and an HR representative and the Chaplain shows up.
Or, when you show up for work at the regular time, and the rest of the department is in a meeting that you didn't know about.
by oldfatguy
Mon Jun 17, 2019 2:24 pm
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 49
Views: 4203

Re: Advice for young married couples: PLEASE HELP!

Put your money in one pot. The money goes in and goes out of the same pot for paying family expenses: rent, taxes, car, utilities, clothing, food, health, vacations. If you can not trust each other with a jointly held bank account and checking account, do not get married to each other. Money is one...
by oldfatguy
Mon Jun 17, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Doing Your Own Taxes
Replies: 36
Views: 3452

Re: Doing Your Own Taxes

A good way to learn is just by going through IRS forms by hand, and read the line-by-line instruction and fill in the forms. Try to reproduce your last year tax return manually. not by using some other software package that hides these details. Agree. I've used the Free File Fillable Forms for years.
by oldfatguy
Mon Jun 17, 2019 9:24 am
Forum: Personal Investments
Topic: Advice for young married couples: PLEASE HELP!
Replies: 49
Views: 4203

Re: Advice for young married couples: PLEASE HELP!

Hi - We live in a HCOL city in the Northeast, where my wife and I sit each month with 50-60 young engaged couples preparing for marriage. The average age is 31 and they come from all walks of life, education, ethnicity, etc. One of the talks we do is a "finance talk" in which we try to share tips a...
by oldfatguy
Thu Jun 13, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3669

Re: Sports classes in Universities

NotWhoYouThink wrote:
Thu Jun 13, 2019 10:15 am
I think it is fair to put limits on what you will and won't pay for.
I think it is reasonable (and necessary for most) to put limits on how much one is willing to pay for college, but I don't think parents should meddle in things like course selection or choice of program/major.
by oldfatguy
Thu Jun 13, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3669

Re: Sports classes in Universities

If you are paying for college, you can set requirements like making his grades available, and taking PE classes or joining an intramural team. My parents required 2 years of a foreign language, even though my degree didn't require that. I figured it out. How can the OP require that? Maybe you mean ...